davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
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)

I sent a letter last XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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. (CA)

I want to bring to your attention that the disputed items on my credit report are a result of identity theft, and this issue has been promptly addressed by other credit reporting agencies. Other bureaus have acknowledged the fraudulent nature of these accounts and have taken the necessary steps to remove them from their reporting. 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
Bankruptcy XXXX XXXXXXXX Reference XXXX PLEASE DELETE!!! 
I insist that you promptly investigate this matter and remove the fraudulent accounts from my credit report. I believe that the law requires you to act in accordance with the FCRA, and I am hopeful that your agency will fulfil its legal obligations in resolving this matter.
Consumer complaint received 2024-01-05
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. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to dispute the information on my credit report related to the following accounts : XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX  XXXX Date Opened : XXXX XXXX, XXXX. The late reporting on these accounts is inaccurate as they have been deferred due to my continued enrollment in school. Furthermore, there appears to be a major error in reporting XXXX days late without first posting 30 days late. I request that you verify all information for accuracy, including the completeness of name spelling and address of record. Additionally, I request the removal of late dates and an update to the negative status of these accounts. I must bring to your attention that XXXX has already removed the late dates and updated the negative status of these accounts from their records, acknowledging the error present. Additionally, I dispute the following account : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. XXXX and XXXX have already removed the late dates and updated the negative status of this account from their records. Similar to the accounts mentioned earlier, there was an error present, and they were able to find it. I am perplexed as to why your bureau has not complied with the law and continues to ignore my requests. I insist that you remove the late dates and update the negative status of the XXXX XXXX XXXXS account from my file. This information is inaccurate, erroneous, incomplete, or unverifiable.
Consumer complaint received 2024-01-05
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, 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 XXXXXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-28
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: TRANSWORLD SYSTEMS INC (LA)

This debt was paid in 2019. I have been disputing it ever since it appeared on my report and XXXX and XXXX refuse to investigate. They just place a statement that it meets the FCRA without sending me proof that this debt is valid. I am a current XXXX XXXX customer and would not be allowed to continue services if the debt has not been paid. Neither of the companies that this debt keeps shifting to are providing evidence I a requesting, yet it is affecting my credit score.
Consumer complaint received 2024-04-26
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. (TN)

I DONT HAVE XXXX XXXX  ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-01-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC. (NM)

In XXXX of XXXX I send a check to citizens bank to pay off a debt/collection. The check was over the amount that was due to put my account in good standing. Since then Ive contacted Citizens Bank on multiple occasions regarding this matter and they have repeatedly told me that the check is in the mail it is now XX/XX/XXXX and I have still not received my refund of {$800.00}. If you contact citizen bank collection department they will have a record of all the phone calls Ive placed to them.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have always made sure to pay on time for this account, never letting payments become overdue. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
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: BMW Financial Services NA, LLC (GA)

In accordance with the Fair Credit Reporting Act BMW FINANCIAL SERVICES has violated my rights with Account # XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-05
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. (GA)

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 XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (MA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-01-11
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. (FL)

I hope you're doing well. I'm writing to talk about an issue I found in my credit report. My name is XXXX XXXX XXXX, and I noticed that some of my personal information was shared with another company without my permission. I think this goes against the law that says you can't share someone's personal info without their say-so. 

I read about the rules ( 15 U.S. Code 6802 ) that say my personal info should be protected, but it seems like that didn't happen. The Fair Credit Reporting Act ( FCRA ) also gives me the right to control who gets my info, and it looks like my info went to someone who isn't connected to your company. This worries me because I didn't get a chance to say no, like the law says I should. 

Just to be clear, I don't have a problem with the companies I owe money to. My concern is with your company for sharing my info without checking with me first. 

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal info. I never gave that permission, so I need you to prove that I said it was okay. If you can't, it might mean you broke the rules of the FCRA. 

I already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried this might be a kind of identity theft ( 18 USC 1028a ). 

I'm officially asking you to take these accounts off my credit report in the next four business days : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX U.S. Bankruptcy Court XXXX Account Number : XXXX I also want you to remove these unauthorized inquiries in the same time frame : XXXX XXXX XXXX - Inquiry date XX/XX/2023 XXXX  - Inquiry date XX/XX/2023 XXXXXXXX XXXX - Inquiry date XX/XX/202XXXX XXXX XXXX Inquiry date XX/XX/2023 I have the right to fair and accurate credit reporting, and fixing these mistakes is important for my credit report to be correct. 

I also need you to show me how you checked that the information you have is right and that I had a chance to say no to it. This is important to make sure credit reports are fair and accurate. 

I hope we can sort this out quickly, within the four business days I mentioned. If not, I might have to take legal action. 

Thank you for looking into this right away.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

See previous claim. I disputed the charged off account. Their response was that the acct was not charged off, but it has been indicated as charged off AND written off via my consumer report. The consumer credit report does not equal the companys response. In addition, as a result of the dispute the payment history was updated to past due over 30 days ( currently ), tarnishing my credit worthiness more. 
This is yet another violation. It was charged off-written off more than over a year ago. 
I am adding Capital One to this claim as they reported the same ( past due ) and its been written off, charged off.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 2024-04-04
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I noticed on my XXXX report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute it.
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

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 reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-06-27
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: EQUIFAX, INC. (OH)

I am writing to challenge the existence of specific hard inquiry on my ceI find it unacceptable that Equifax permitted such inquiry without obtaining my explicit consent as a consumer. 

XXXX - XX/XX/year>
Consumer complaint received 2022-12-02
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. (NJ)

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 : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2024-01-11
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. (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.

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 2023-12-05
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. (GA)

I asked all of the credit companies to remove items off of my credit report and all items are still on all three credit reports affecting my life and inability to obtain jobs, houses, and much more. As of XX/XX/ they have not removed the items and are now in violation of the FCRA laws. 
15 U.S. Code 1681n - Civil liability for willful noncompliance The following accounts are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following are inquries XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX.
Consumer complaint received 2023-08-18
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-29
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. (TX)

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

Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A states : I have the right to privacy.

15 US 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 US 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 US 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 information is inaccurate.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-01-23
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-11-07
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

KOHLS/CAPONE & XXXX I am writing this letter received a credit alert that an account for XXXX on XX/XX/XXXX and a charge for a XXXX machine was purchased and called them and it was delivered reported it to the bank and theyre investigating it. Another alert for hard inquiry was taken for the KOHLS/CAPONE on XX/XX/XXXX. I would like to have these fraudulent accounts shut down also filed an identity theft report on these and placed a credit freeze and alerts on all reports.