davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (NY)

Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.
Consumer complaint received 2024-04-25
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. (WI)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (MD)

I am writing to re-dispute the reporting of a charge-off of the XXXX XXXX account number XXXX, as this entry is inaccurate based on my investigation 's findings. I kindly request that this charge-off be removed from my credit report with all credit reporting agencies. 

The following consumer protection laws and regulations support my request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers can dispute any inaccurate or incomplete information on their credit reports. The credit reporting agencies and the information furnisher ( in this case, XXXX XXXX ) must investigate and correct any inaccuracies found. [ 15 U.S.C. 1681i ( a ) ( 1 ) ] Consumer Financial Protection Act ( CFPA ) : The CFPA grants the Consumer Financial Protection Bureau ( CFPB ) the authority to oversee and take action against companies that violate consumer financial laws, including the FCRA. [ 12 U.S.C. 5481 ( 14 ) ] Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair or deceptive practices by debt collectors. If the charge-off is inaccurately reported or involves any form of harassment, this may also constitute a violation of the FDCPA. [ 15 U.S.C. 1692 ] After thoroughly reviewing my records, I have identified that the charge-off reported is incorrect. This inaccurate information is negatively impacting my credit score and financial standing. As a responsible consumer, I continuously monitor my credit report for accuracy and promptly address discrepancies.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (VA)

Under 15 U.S. Code 16813 ( b ) and 15 U.S. Code 1681u ( 5 ) this account in violation not reporting 100 % accurate.
Consumer complaint received 2024-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im looking at my credit report and noticed serval inquiry, Due to data breach and the privacy act 15 USC 1681 all in violation this is in accurate on my credit report, please note that the law allows me under the color of law and privacy act in the right to privacy these violate my constitutional and civil rights under these laws. Please remove immediately from my reports
Consumer complaint received 2024-10-21
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. (MN)

This letter serves as my final notice regarding your continued noncompliance with federal credit reporting laws. I previously disputed the accuracy and validity of several items on my credit report, yet your agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my prior notifications, I am still seeing unresolved issues. 

Violations : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Inaccurate reporting of accounts on my credit report, which remain after your investigation despite my disputes. These accounts were not authorized by me, and no valid contract or written consent exists for the reporting of these items as required under 15 U.S. Code 1681b.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-10-22
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. (AL)

XXXX XXXX XXXX Equifax is violating my rights And his criminal obligated And you violating my rights under 15 USC 1681 And money and fragment of 15 USC 1640 and 1692 I am asking you to remove this negative information from my shoppers report I am asking you to remove these infringements they failed to comply with the government regulations, and they are governed by the FCRA And his XXXX is for your duty to make sure that they file a protocol. If not, I will be pursuing legal actions and reporting them to the FTC Better Business Bureau state attorney general. United State Senate Federal deposit of currency insurance
Consumer complaint received 2024-01-26
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've tried to refinance my car through companies XXXX XXXX suggested me. It was pre-qualify applications, that's why i've applied. As i know pre-qualify means soft inquiries, not hard ( i read this information from internet ). After that, i got a lot of hard inquiries to my account, that's why my credit score dropped from XXXX to XXXX  ( XXXX  points ). I got a lot mails in my mailbox from credit unions i don't recognize. I've applied number of times for credit cards, but got denied ( all of this are my applications ), but i didn't give the consent to credit unions to make a hard inquiries to my account. That's why i think all this inquiries should be removed from my credit reports.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-04-25
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. 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, 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I am writing to dispute ten fraudulent accounts listed on my credit report, which were opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and I expect prompt action on your part. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 OPENED XX/XX/XXXX INCORRECT EMPLOYERS : XXXX, XXXX XXXX XXXX NAME : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX INCORRECT ADDRESSES : 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 did not open these accounts, and I have already filed a police report regarding this identity theft, which I have enclosed with this letter. Additionally, I have highlighted the fraudulent entries in my credit report for your reference. 
As mandated by the FCRA, you are required to conduct a reasonable investigation into my dispute and to respond within 30 days of receiving this letter. If you determine that the information is inaccurate, you must promptly remove these accounts from my credit report. Furthermore, under the law, you must notify the creditors involved to ensure they cease reporting this fraudulent information. 
Please consider this letter a formal request for your investigation. I expect you to provide a written response detailing your findings and actions taken regarding my dispute. I also request you put a fraud alert on my credit report for safety measures.? 
I appreciate your immediate attention to this matter and look forward to your prompt resolution. If you require any additional information, do not hesitate to contact me directly. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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 2024-10-22
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. (DE)

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 I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-25
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)

I am writing to urgently address a severe matter regarding fraudulent activity on my credit report. Upon thorough review, I have uncovered multiple inaccurate and unauthorized entries that significantly compromise my financial integrity and creditworthiness. These fraudulent accounts have been causing unwarranted distress and hardship, and I seek your immediate intervention to rectify this situation. The fraudulent entries in question are as follows : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$80.00} Status : Collection account. {$80.00} past due as of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$130.00} Status : Collection account. {$130.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} Status : Collection account. XXXX  Date Opened : XX/XX/XXXX Balance : {$270.00} Despite my repeated efforts to address these issues with the credit reporting agencies, the entries persist on my report, unjustly tarnishing my credit score and financial reputation. It is imperative to emphasize that I have never authorized or initiated any of these accounts. I strongly suspect that they are the result of identity theft or malicious activity targeting my financial records. As a vigilant consumer, I have diligently monitored my credit report and have taken immediate action upon discovering these discrepancies. In light of these grave concerns, I wish to draw your attention to several pertinent laws and regulations established under the Fair Credit Reporting Act ( FCRA ) that safeguard consumer rights : Fair Credit Reporting Act ( FCRA ) Section 609 : This section empowers consumers to request disclosure of their credit report and dispute any inaccuracies or fraudulent entries therein. Fair Credit Reporting Act ( FCRA ) Section 611 : This section mandates credit reporting agencies to promptly investigate and address any disputes raised by consumers regarding the accuracy of information on their credit reports. Fair Credit Reporting Act ( FCRA ) Section 615 : This section outlines the responsibilities of information furnishers, such as creditors and lenders, to ensure the accuracy and integrity of the information they provide to credit reporting agencies. I urgently implore the Consumer Financial Protection Bureau to intervene in this matter and expedite the removal of these fraudulent entries from my credit report. Additionally, I request a thorough investigation into the origins of this fraudulent activity and appropriate actions against the perpetrators. Enclosed with this letter are copies of documents supporting my identity and evidence of the fraudulent entries on my credit report. Your prompt attention to this matter is greatly appreciated, and I eagerly await a swift resolution. Please do not hesitate to contact me if further information or assistance is required.
Consumer complaint received 2024-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act of 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 2024-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (OH)

I made a payment to Newrez on XX/XX/XXXX. Payment cleared my bank on XX/XX/XXXX. Payment was never credited to my account at Newrez. Newrez says they were in a system migration on XX/XX/XXXX from Shellpoint ( which owns Newrez ) and the payment is " lost '' somewhere. They requested I send proof of payment which I did ( copy of bank statement showing the payment to Newrez ). Newrez still refuses to credit my account. I have called multiple times and keep getting the same story " I'll escalate this to a supervisor '' and " a supervisor will get back with you ''. No one has ever called me nor resolved this issue. I continue to call and never get it resolved. I have received notices that I am late on payments ( due to Newrez not crediting my XX/XX/XXXX payment ). I have been charged fee of {$30.00} despite being told no fees would be charged due to the investigation on their end to find the payment. I have received one letter that said " Per review the ACH would have been rejected. Therefore, please contact your bank to see if funds were returned. '' I have done this and the funds were NOT returned. Newrez does not respond to any inquiries asking where my payment is and to proof that payment went through to Newrez ( they tried saying it went to a previous loan servicer which it did not - clearly shown on bank statement it went to Newrez ). I have been dealing with this for THREE MONTHS where they tell me it should be resolved in a few days. Newrez has my payment ( {$1400.00} ) and will not credit my account for making the XX/XX/XXXX payment ( which then makes any payments made since then credit to the previous month, which makes my account behind on payment ). I have tried MULTIPLE TIMES and spent well over XXXX hours on the phone with Newrez and still have not gotten this resloved.
Consumer complaint received 2024-10-22
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.