davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was charged off on the following date XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I'am demanding a deletion of the following account. Also XXXX and XXXX report balance is not factual or Accurate. : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I have reasons to believe that the information provided by these sources, particularly the collection account from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new credit opportunities. I am exercising my rights under the Fair Credit Reporting Act, specifically referencing the following provisions : - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681e - Compliance procedures -15 U.S. Code & 1962f- Unfair practices
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

To whom it my concern. I tired correcting this more then a few times with equifax. They have a old address i would like to get removed. Its XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.And also my full name is not XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Can you please correct this as well ... Thank you.
Consumer complaint received 2023-08-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-05
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)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-10-16
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$900.00} ; XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2400.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$950.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance Owed : {$560.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-10-16
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. (TX)

I sent a bureaus letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any accounts or information not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$89.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation (VA)

XX/XX/XXXX through the XXXX. I have been trying to contact Albert about issues when it comes to purchasing and or transferring available savings and XXXX XXXX customer service techs is not efficient and they do not help they tell you one thing and its another. Its been an ongoing issue for the past couple days and is very upsetting. I have been dealing with this for three days. I'm getting charge for a service that's not even helping nor can't help at this point. Especially after I referred almost 48 people. I will definitely tell them not to use the service. At least the other cash advance apps are more helpful and efficient than you all. I am very disappointed.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, 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. (PA)

XXXX XXXX XXXX XXXX has on ( Regular Inquiries ) Requested On XX/XX/XXXX -- - XX/XX/XXXX -- -XX/XX/XXXX -- - XX/XX/XXXX -- - XX/XX/XXXX there should not be Hard Inquiries from XXXX XXXX back to back as XX/XX/XXXX & XX/XX/XXXX back to back that's a heavy impact and should not be done I did not apply for credit on all these days and why 2 days apart that was a hard impact on my credit. 

TransUnion is at fault for 2 day back to back impact that is not by law considering I was not applying for credit
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am writing to file a formal complaint against Equifax regarding an ongoing issue with my personal information on their platform. Despite multiple attempts to resolve the matter directly with Equifax, my concerns have been consistently ignored, resulting in the reporting of incorrect and inaccurate information. 

Specifically, my complaint pertains to the following issue : XXXX. Incorrect Social Security Number : Equifax is reporting an incorrect Social Security number under my profile on myequifax.com. This erroneous information has led to further inaccuracies in the reporting of my personal data. 

Despite my best efforts to address this matter with Equifax through their online dispute resolution process, the problem remains unresolved. I have provided all necessary documentation and evidence to support my claim, but it seems that my concerns are being consistently disregarded. 

Given the gravity of this situation and the potential impact it may have on my credit standing and financial reputation, I kindly request the involvement of the Consumer Financial Protection Bureau ( CFPB ) in resolving this matter. 

I believe that the following laws and regulations are relevant to my specific situation : 1. Fair Credit Reporting Act ( FCRA ) : The FCRA requires credit reporting agencies, such as Equifax, to ensure accuracy and fairness in the information they report. Equifax 's failure to correct the inaccurate reporting of my Social Security number violates the FCRA. 
2. CFPB Guidelines : The CFPB has issued guidelines for credit reporting agencies to handle consumer disputes promptly and adequately. Equifax 's continuous disregard for my attempts to resolve this issue is in violation of these guidelines. 

I have attached copies of the relevant documents, including my communications with Equifax, that validate my efforts to correct this problem. I request that the CFPB thoroughly investigate this matter and take appropriate action to rectify the inaccuracies on my Equifax profile. 

Also the accounts reporting on my consumer report are fraudulent. 

Please acknowledge receipt of this complaint and inform me of the steps being taken to address this matter within the required time frame. I trust that the CFPB will advocate for consumers ' rights and work towards a fair resolution. 

Thank you for your attention to this serious matter. I look forward to a swift resolution to safeguard the accuracy of my credit information.
Consumer complaint received 2023-10-16
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. (KY)

We was going to be looking to buy a house and noticed some collections on my report. I have disputed them and they will not remove them as I have no knowledge of these. 
According to XXXX XXXX XXXX law, there should not be any damages on my report. Its a defamation to my character.
Consumer complaint received 2023-10-16
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. (TX)

I am writing to express my profound dissatisfaction and concern about the repeated and unsuccessful attempts I have made to remove fraudulent items from my credit report with Credit Bureaus. Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. 

I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. Each time, I have supplied the necessary documentation to support my claims, yet I have seen no tangible progress toward their removal. 

The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. 

I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. 

I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
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. (CA)

Despite multiple written requests, the unverified account/s listedbelow continue to report on my file. The late payments areinaccurate, the payments were made on time. Please update thelate payment markings to show the correct paymenthistory.Update the account/s below : XXXX
Consumer complaint received 2024-04-05
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  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 2023-10-16
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (MI)

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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report 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 2020-04-09
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: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I received a bill on XX/XX/2017 from " Cash Central '' for the amount of {$310.00}, a loan that I did not request or receive money for. This is identify theft. I reached out to this company directly, filed a police report in XXXX County ( where the address used/mail was received ), and did not hear anything back until recently wherein my credit score is now affected by " XXXX XXXX XXXX XXXX '' regarding this loan now being in collections. 
I have filed numerous complaints online, including identitytheft.gov, with no response.
Consumer complaint received 2023-10-16
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-10-16
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$6500.00}
Consumer complaint received 2023-10-16
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc. (CA)

I was given this prepaid card as a form of payment on XX/XX/23. The expiration was a very short 4 months later on XX/XX/23. I was unaware these cards expired so quickly so I inquired with prepaidsolutions.com to reissue the card. They said since the card expires the balance has been forfeited. They refuse to say where the fund were forfeited to or to reissue the card which had a significant sum of money on it.
Consumer complaint received 2024-04-05
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. (MO)

XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Opt-Out Request Pursuant to 15 USC 6802 Dear XXXX  XXXX Customer Service XXXX I am writing to formally request to opt-out of the sharing of my personal information as permitted by the provisions of 15 USC 6802. I am exercising my rights under this law to prevent XXXX XXXX from sharing my personal information with any non-affiliated third parties, except as permitted by law. 

Please cease any sharing of my personal information with non-affiliated third parties as soon as possible, and ensure that my personal information is protected in accordance with the law. 
Below are my account details for your reference : I would appreciate your confirmation in writing once my opt-out request has been processed. You can send the confirmation letter to the address listed above. 
Thank you for your prompt attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information.
Consumer complaint received 2024-04-05
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. The list of accounts below has violated my federal 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 XXXXXXXX ] has violated my rights. The following accounts open date is not reporting accurately, date last active, date of last payment is not correct, these accounts are not accurate. 

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

and according to 15 USC 1681eb they are suppose to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning individual about whom the report relates.