davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to address serious concerns regarding the inaccurate reporting of my financial transactions and experiences to consumer reporting agencies, as well as the violations of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2.

Upon reviewing my XXXX, XXXX, and TransUnion consumer reports, I discovered that XXXX has reported a some late payments. However, this reporting is in clear violation of the FCRA. According to 15 U.S. Code 1681a 2 ( A ) ( i ), consumer reports do not include information solely pertaining to transactions or experiences between the consumer ( myself ) and the entity making the report ( XXXX XXXX ). 

The law explicitly states that transactions or experiences between the consumer and the reporting entity are not to be included in consumer reports. Therefore, the reporting of a late payment directly contradicts this provision of the FCRA. As such, you have violated the FCRA 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2 by inaccurately reporting this transaction on my consumer report.

Furthermore, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies have a duty to provide accurate information. It is prohibited to furnish information if the person knows or has reasonable cause to believe that the information is inaccurate. By reporting a late payment when no such transaction occurred, you have knowingly provided inaccurate information to consumer reporting agencies.

I am formally putting XXXX XXXX on notice that the continued reporting of this inaccurate information constitutes a direct violation of the FCRA and your responsibilities as a furnisher of information. You have caused significant harm to me and my family through your negligent and inaccurate reporting.

Therefore, I demand that you immediately delete the erroneous late payment from my consumer reports within after receiving this notice. Failure to comply with this demand will result in legal action being taken against your company. I will seek actual damages for the harm caused by your failure to comply with the law, including but not limited to defamation of character, negligent non-compliance, civil liability, mental anguish, and violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) .Furthermore, if the late payment is not deleted within the stipulated timeframe, I will pursue arbitration to resolve this dispute. I reserve the right to pursue all available legal remedies to address this matter.

Do not send me any correspondences regarding this matter unless it is to confirm that you have complied with the applicable law and deleted the inaccurate late payment from my consumer reports.

I expect prompt and satisfactory resolution to this matter.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I submitted a complaint already and attached a court order to be removed from this loan. 

I have attached a COURT ORDER that EXPLICITLY STATES XXXX is solely responsible for these student loans. 

The Complaint was closed with a letter from the company stating that I simply " did not want '' to be a co-signer on this loan. They disregarded the court order. 

COURT ORDER FOR REMOVAL IS ATTACHED. 

Please see section IV - 1 which states " Wife shall be solely responsible for her student loan debt. '' I have emailed XXXX directly on XX/XX/XXXX, XXXX, XXXX, + XX/XX/XXXX, but have not recieved a response from them pertaining to this.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022 I recevied an email that my student loan was forgiven. ( See letter enclosed ) On XXXX XXXX XXXX XXXXXXXX Reported on my Transunion consumer profile that this loan is open with a balance. 

I did not agree to this nor sign any documents that any prior closed student loan could be transferred and reopened. 

15 USC 1681B ( 2 ) for misuse of my report and decreasing my score. This company has violated my consumer rights. This account needs to be closed immediately.
Consumer complaint received 2024-04-18
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
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. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX
Consumer complaint received 2024-04-18
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)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, de XXXX  I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2023-04-22
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. (IN)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/2021.
Consumer complaint received 2023-01-31
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. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I recently installed the XXXX XXXX app and started reviewing my credit report. I saw a collections report for an account with XXXX XXXX XXXX that was opened on XX/XX/XXXX and has an owed balance of {$280.00}. I did not open this account as I have been an XXXX customer for about 3 year 's. I am also participating in a program called the XXXX XXXX XXXX that provides internet / cellular service at a free or reduced rate for low income families. I have had free/ reduced internet through this program with XXXX for over 3 years and would not jeopardize my reduced plan by adding another service alongside my established service with XXXX XXXX About 4 years ago, I was the victim of identity theft and have an open case and fraud alerts with the FTC. I am assuming this XXXX XXXX XXXX  is associated with my identity theft issue. I spoke to the collection agency today XX/XX/XXXX and spoke with a representative named XXXX who would not accept the information I provided to dispute this debt. I do have verified documentation to support this dispute. I spoke to XXXX XXXX XXXX, a rep named XXXX and was also met with mild discourtesy regarding the information I am providing to dispute this debt and no knowledge of this account. When I spoke to the collection agency, she verified my address as being XXXX XXXX XXXX XXXX XXXX CA XXXX. This is not correct. My address is XXXX XXXX XXXX XXXX XXXX CA XXXX. She also had an incorrect email address and phone number for me. I gave her the correct contact information. However, both entities are persistent about collecting this debt and refusing to accept or note the correct information I am trying to provide to dispute this account.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

I had a bank balance of XXXX dollars when this incident took place. With 8 pending transactions that were reflected in the indicated balance above. I then XXXX  my business account {$350.00} and my balance went down to a few dollars. The next morning when I went to deposit my work checks my account balance went to negative {$340.00}. I didnt have any other payments go through everything pending had already withdrew from my account. Im left with no answer from the bank also I think it is important to mention that Im unable to XXXX  any amount that isnt reflected in my account. They have so far refused to refund my cash with no good viable explanation.
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (CA)

I HAVE RECIEVED NUMEROUS NOTIFICATIONS ABOUT A PHONE ACCOUNT THAT IS NOT MINE. I HAVE CONTACTED XXXX WHICH WAS NOW XXXX XXXX XXXX THAT IS IN CHARGE OF THE DEBT COLLECTION. AFTER DISPUTING WITH XXXX XXXX XXXX THEY WERE NOT ABLE TO PROVE IT WAS MY ACCOUNT. I HAVE ASKED FOR CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. NONE OF MY REQUEST HAVE BEEN GRANTED EXCEPT THE FACT THAT I WAS SENT INVOICES THAT ONLY SHOWS MY NAME THAT IS INCORRECT, AND AN ADDRESS THAT SHOWS THE BILLS WERE BEING SENT TO THAT I HAVE NEVER LIVED AT IN MY LIFE. 
NOW THIS COMPANY FRONTLINE AS WITH ACCOUNT # XXXX IS TRYING TO DO THE SAME THING AS THE PREVIOUS TWO COLLECTION COMPANIES. 
AGAIN THIS ACCOUNT IS NOT MINE, IT WAS NOT OPEEND BY ME. AGAIN, SEND ME THE ORIGINAL CONTRACTS BINDING BOTH PARTIES, ANY SIGNED INVOICES IN WHICH SHOWS I IN FACT SIGNED FOR THE OPENED ACCOUNT, AND GIVEN MY AUTHORIZATION. AGAIN, I WILL ATTACH MY IDENTITY THEFT REPORT. IF DOCUMENTS ARE NOT BEING PROVIDED, DELETE THE COLLECTION ACCOUNT FROM ALL CREDIT BUREAUS.
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MS)

I am a victim of Id Theft, I am a XXXX XXXX and these types of things could affect my employment because they do credit checks on us. I started receiving calls from Comenity Bank Victoria Secret about a debit that did not belong to me. I tried to dispute it and had no success. The account number ending in XXXX in the amount of XXXX which is now sent over to XXXX XXXX. They are harassing me about this and this does not belong to me. I have a Identity theft program with my job that is working with me to resolve this issue.
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

I opened a PayPal account to take advantage of a gas app that would pay me for getting gas. I decided not to use it, but somehow have {$10.00} in the account and am not able to close my account until I take the money. I requested a check be mailed, but they won't send to a po box . I updated my address to a physical address, but am still being asked for my bank account information prior to them mailing a check to my physical address and allowing me to close the account. This is unreasonable. 

Additionally, when I made an online purchase using my credit card, I got an email from PayPal ( attached with private info blacked out ) with information on my purchase including the vendor, the amount I paid, they type of credit card used and the last 4 digits of the credit card. This is VERY scary to me as it is a serious invasion of my privacy and they should NOT have information on purchases I make online that do NOT involve PayPal. IS YOUR AGENCY AWARE OF THIS PRACTICE?

Thank you
Consumer complaint received 2024-04-18
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)

XXXX XXXX {$390.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Consumer complaint received 2023-12-12
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

In XX/XX/XXXX, I filed XXXX  XXXX Bankruptcy with XXXX XXXX XXXX in XXXX, GA. I had a mortgage through Wells Fargo Bank for my home in XXXX, GA. I filed the documentation to reaffirm my home loan and car loan. Home loan was with Wells Fargo Home Mortgagenand car loan with XXXX XXXX XXXX XXXX. Never had a problem with my car loan. But, with Wells Fargo, I continued to pay my mortgage from XXXX  ( bought the house in XXXX  ) to XXXX  when I tried to refinance. I was told that Wells Fargo no longer had me listed on the deed and that technically, I didn't own the house. I'd have to go through the " closing process '' again to get my name attached to the home again. I asked if I wasn't attached, then I could walk away. They said yes. But, a year or so later, I was notified that they had filed a foreclosure on me and sold my house at auction. I paid for the home for 10 years, never late, never missed a payment and they let me do that but never told me they didn't reaffirm the mortgage. Once I walked away with nothing as I just decided to accept defeat because what am I going to do against a bank, I don't have that kind of money to fight them. They filed a foreclosure to cover themselves and I lost my home, 10 years of investing in that property, and it showed up as a " K number '' when I tried to buy another home in XXXX. I was then told that I had to wait seven years to file for another government loan. I never thought I could do anything about it, but since they've been shown to be a bunch of crooks, I thought I'd try now.
Consumer complaint received 2023-04-28
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. (CA)

To whom it may concern : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX The information you see above is my most current personal information per FCRA and Metro 2 compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and Metro 2 compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2021 Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Experian This is not right! I received a credit report from you and there are some companies that I'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code 15 USC 1681e ( a ) Seg. 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report. 
Sincerely, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.