davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a matter of utmost importance regarding my credit report. I have diligently followed the dispute process for several fraudulent accounts that have been erroneously reported on my credit report, and despite multiple escalations, I have yet to see any satisfactory resolution. 

List of Disputed Accounts : XXXXXXXX XXXX XXXXXXXX XXXX I have contacted your bureau multiple times regarding their removal. Despite my efforts and your assurance of investigation and resolution, these accounts remain on my credit report, severely impacting my creditworthiness. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to investigate and correct inaccurate or fraudulent information within 30 days of receiving a dispute. It has been well beyond this timeframe, and the continued presence of these fraudulent accounts on my credit report is causing me significant financial distress. 
I kindly request an immediate and thorough investigation into these matters, followed by the removal of the fraudulent accounts from my credit report. Additionally, I request that you provide me with a written explanation of the actions taken to resolve this dispute within the legally required timeframe. 

Failure to comply with the FCRA 's requirements may result in legal action to protect my rights as a consumer. I trust that it won't come to that, and you will promptly address this issue.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

After reviewing my credit profile XX/XX/2023 identified a discrepancy with accounts listed under XXXX XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 3rd validation letter was sent out on this day. After reviewing credit report XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please stryke and remove his account from all 3 credit bureaus until adequate validation has been received proving that they account belongs to me and all information is correct.
Consumer complaint received 2023-05-08
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. (FL)

XXXX XXXX XXXX Account info Account number XXXX I have my own XXXX  cc and its paid on time XXXX XXXX XXXX XXXX Account info Account number XXXX {$21000.00} This is not my account My address is not XXXX XXXX XXXX XXXX XXXX fl XXXX I live at XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX for 6 years
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: 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. 

Account name : DEPT OF EDUCATIONXXXX XXXX XXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXX Account name : DEPT OF EDUCATIONXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name 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 2023-09-08
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. (CO)

Pursuant to 18 usc 8, l owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2018-09-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Global Trust Management LLC (FL)

To whom it may concern concern at CFPB, this letter is being sent in response to An Unverfied Anauthorize Collection Account that was placed on my Credit File with XXXX, XXXX and XXXX The 3 Credit Bureaus Repositories More importantly due to the Company XXXX XXXX XXXX, I never received Validation of this action place on my credit file no one Notified me via registered mail of this Unverfied Collection in my credit file Report XXXX XXXX, and XXXX.the alleged month and year XX/XX/2016 of amount $ XXXXplease be advised this Account was never Verified And because of the Derogatory activity It has done great damage to my credit score since this company never attended to contact be directly by USPS Mail.as to the authenticity of this Unverfied debt a notice was sent pursuant to the Fair Credit Collection Act ,15USC 1692g Sec.809 ( b ) that there claim was is Disputed, and validation was requested on my end since I was never informed of this unfortunate unverfied Derogatory marks I initiated a Request for Legal proof a request for proper documents and Signiture or contract, this is a Violation of the FCRAct Violation of Fair Debt Collection Practice Act Defamation of Character, I sent this request to XXXX XXXX XXXX XXXX  this account was Charged off in my credit report this invalidated Charge off has Drastically impacted my good credit and has severly tarnish my good credit history.a Defamation act a will full act by a company that refurses to validate this unverfied Account XXXX XXXX XXXX. use Predetory Collection tactics by continued phone messages that I recorded for my records as Documents For future Litigation If they continue there phone calls, to myself and my family I am a XXXX XXXX Veteran totally XXXX when a collection company calls and treatening messages of filing with authority and having my XXXX Wages Garnish this is against the Law in Violation of the Fair Credit Reporting Act : published and Unauthorized Collection In my Personal Credit File with out giving me a chance to challenge this erroneous Act. I do not take this lighty and I also believe my rights were violated the this unjustly act therefore I again Sent XXXX XXXX XXXX who I believe was Charged off and sold to a third party Collections agency Called Global Trust Management LLC. please note : I want this coming to stop with there Collection activity for 2 years this company Never attempted to Contact me only unlicensed phone calls if they continue I will seek Advice of an attorney. Thank you.
Consumer complaint received 2023-07-04
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. (MI)

XXXX XXXX XXXX is reporting a balance of {$810.00} open XX/XX/XXXX. I have filed disputes as recently as XX/XX/XXXX showing that this is not my account and the information is inaccurate but XXXX XXXX has added this account back on my credit report fraudulently. I would like to report them for fraudulently reporting and harassment as I have been asked to be contacted via mail so that I have written responses.
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (MA)

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 2023-11-16
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. (SC)

The XXXX XXXX Fraud Resolution Team Refuses to Investigate and Require Immediate Termination of ALL Illegal XXXX Credit Card Accounts Immediately in Written Disclosure by Federal Law in Consumer Securities Lender Inequities ( XXXX XXXX XXXX XXXX Indemnity ) This Criminal XXXX XXXX Identity Theft was Confirmed by XXXX XXXX Auditor on XX/XX/2022 Without Resolution because the XXXX XXXX  Admitted that Additional XXXX Credit Card Accounts required Internal Employee Audit ( Character Assination by Conspiracy in Illegal XXXX Deployment Classification Scam ) This Fraud and Character Assination involves the Texas Attorney General XXXX XXXX that Is Required to Provide An immediate Court Order to XXXX XXXX XXXXXXXX XXXX in Conspiracy Theft Of Multiple Unauthorized XXXX XXXX Indemnity in XXXX XXXXXXXX XXXX by Illegal Deployment Classification Indemnity ) Contact The Attorney General AND Demand Action against XXXXXXXX XXXX for A Malicious Financial Fraud without Resolution for 24 Months!!! 
XXXXXXXX XXXX Member Advocacy XXXX XXXX is Required to Terminate ALL Fraudulent Accounts Immediately! 
Her Personal XXXX Business Telephone Contact is ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Fraud Agent XXXXXXXX XXXX has Not Returned Voicemail Messages for Seven Months and is Obstruction of Justice in XXXX XXXX Indemnity The FBI is Conducting A Criminal Identity Theft Investigation in XXXXXXXX XXXX Relocation in XXXX XXXX Nevada by Agent XXXX in XX/XX/2022 by Claimant in Recorded Deposition Investigatiing XXXXXXXX XXXX In illegal XXXX XXXX Indemnity with Case Number This Identity Theft Crime was Submitted Online to the Consumer Financial Protection Agency in Washington DC ( FBI Washington DC ) with Case number To Investigate thXXXX XXXX XXXX in XXXX XXXX Texas in XXXX XXXX Indemnity!! 
XXXX XXXX XXXX XXXX Due Process of Law!!! 

















XXXX XXXX Indemnity on This Character Assination by XXXX XXXX XXXX XXXX XXXX XXXX Due Process of Law
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have over 200 Inquiry on my credit report with Equifax, so I called them and spoke with a supervisor by the name XXXX, and he put in the dispute for the Inquiry 's I received a copy of my Credit report on today. I looked online to see if all of them was actually removed to find out they weren't. I called and 3 reps form Equifax stated that all the inquiry 's where still on my report and they don't have any records on the confirmation # nor will they remove them off. I don't understand why I would receive a report and they can't find any records of it or my dispute. These aren't my inquiries nor am I requesting for my credit be pulled. I would like them to be removed. I'm already apart of the Data Brench and this is an issue with Equifax.
Consumer complaint received 2023-11-16
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. (UT)

In accordance with the Fair Credit Reporting act, 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. 
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 2024-01-13
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. (GA)

I reviewed my consumer report and noticed that it has been reporting late payments on several accounts that I have NEVER been late on and have always paid on time the first account number is XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX  Accounts reported late Also I have discovered to accounts that are closed and I have no knowledge about these accounts, the first account is XXXX XXXX close date XX/XX/ The second account is XXXXXXXX XXXX XXXX XXXX  close dateXXXX account closed. 
Third account XXXX XXXX XXXX close date of XX/XX/
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (TX)

To Whom It May Concern : This is in response to CFPB Complaint number XXXX. 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2020-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Thank you for taking the time to review the complaint regarding the credit report. XXXX continues to furnish a series of late-payments. Accounts with beginning with one through five with a series of inaccurate reporting.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

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 2023-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (FL)

Website not working, app either, i can not apply payment to my loan, customer service says system is down and there is not eta, they told me not check needed since they can not apply it either due system being down, my mortgage payment is due on the XXXX and i can not pay, i also checked my taxes on XXXX website and they havent paid the taxes even though i received an email on the XXXX XXXX saying they would pay it and they are due in 3 days. I wont pay any late payment fees, im scared of having my credit hurt when i never had a single late payment or collection ever, so i wont pay any extra to the county about my taxes or late fee, seems like this is related to a cyber attack but there is a lot of lack of transparency, they removed comments in XXXX, website doesnt load, the email address is not working anymore and now they dont even pick up the phone, suuuuper scary and suspicious! Again taxes due on XX/XX/XXXX and XX/XX/XXXX for my mortgage that i can not pay at all
Consumer complaint received 2024-03-21
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-03
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 have a fraudulent Hard credit check on my Experian report showing as : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, AZ on XX/XX/XXXX I spoke with XXXX XXXX and they confirmed that this was fraudulent, and that they turned that address over to the XXXX police department in XXXX of XXXX, closing the branch. 

Please remove this FRAUDULENT charge.
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tn XXXX XXXX XXXX Legal Notice Please take notice to whom it may concern On the the date of XX/XX/2023 XXXX of Ally Bank opened a financially sealed file that did not contain her legal information then proceeded to view the document and made a decision of denial as a determination to the credited account, co-signed by XXXX XXXX creditworthiness, due to my knowledge XXXX was looking for a performance certificate, in which the the company is credited when the application was accepted as in good faith the company has failed a moral duty in financial banking there was not a remedy provided nor an procedure for the denial. Furthermore the laws govern by the secured party creditor on connected banking, understanding of being credited. 

15 USC subsection 1231 ( g ) 12 USC ( a ) I have a right to credit as the Secured party creditor, withholding credit from the Principal ( s ) and/or the asset ( s ) to my securities is security fraud. You are violating The Equal Credit Protection Act, The Fair Credit Reporting Act, The Gramm-Leach-Bliley Act and the Social Security Administration Act and XXXX  XXXX  XXXX since I have been denied, please retract my application and take notice of the 2nd part of this notice in which the account has provided an SSN on the record and for the record. 

Adverse Action *U.C.C 9-507 *FRCA 15 U.S.C 1681 ( A ) section 2 *Truth in lending USC 1605 *15 U.S.C 6802 ( a ) Notice Requirement in subsection 2 *31 U.S.C subsection XXXX *Title 15 U.S.C subsection 1605 - Determination of finance charge *15 U.S.C subsection 3123 - Payment of obligations and interest on the public debt *15 U.S. Code 1666b - Timing of payments *31 U.S. Code 5312 - Definitions and application *15 U.S.C 1692j - Furnishing certain deceptive forms At this time XXXX XXXX is requesting a refund of XXXX XXXX securities to be released past, present and future to said above account. 

FRCA 15 U.S.C 1681 ( A ) section 2 : States Transactions, experiences, and marks are to be excluded from the report. 

Furthermore, XXXX U.S.C XXXX - UNITED STATES payment of obligations and interest on the public debt and HJR XXXX. 
XXXX XXXX XXXX XXXX - Scope of prohibition a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction XXXX has committed an adverse action and document fraud. 

For remedy we are asking for the vehicle ( XXXX ) to be funded in full and the inquiry removed off the credit report. 

XXXX XXXX XXXX - CONTROL OF LETTER-OF-CREDIT RIGHT Please give notice to this Legal Notice in completion of request XXXX days any questions or concerns contact XXXX XXXX at ( XXXX ) XXXX or Email XXXX XXXX Best regards, : XXXX XXXX secured party creditor Attorney in fact for XXXX XXXX