davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 2023-09-03
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the rights to privacy. 

15 U.S.C 1681c section 604 A Secion 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-09-03
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the rights to privacy. 

15 U.S.C 1681c section 604 A Secion 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-24
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. (OH)

I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXXXXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXXXXXX Balance Owed : {$18000.00}.
Consumer complaint received 2023-11-03
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. (NY)

There was hard inquiries that was fraudulent and also accounts open in my name without my permission. In accordance with the Fair Credit Reporting Act, 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 ( 2 ). It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 166b A. Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-04-24
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. (FL)

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 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 an 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I had a XXXX XXXX from XXXX that was closed with a balance of {$15000.00}. The account has been reported on my credit report as " charge off ''. On XX/XX/2023 I mailed XXXX a check " XXXX '' for a {$100.00} asking for them to settle my account and remove it from my credit report. They cashed the check and still did not remove the account from my credit report. So I want it done as the reason for me to pay them as in return to have the account removed from my credit report and settle the balance for good. I have attached a copy of the letter as well as the check and proof it was cashed.
Consumer complaint received 2023-12-28
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. (VA)

XXXX XXXX reported an account that does not belong to me. 
I have requested proof of debt validation 1. Original Contract 2. Proof of Payment history XXXX. Debt Validation Nothing has been resolved and it continues to show up on my report
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 2023-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

on XX/XX/2022 I attempted to call PORTFOLIO RECOV ASSOC in an attempt to clear this debt and i was told by XXXX XXXX that she could not help me because the account is no longer with them she then gave me a number to XXXX XXXX XXXX at XXXX and i spoke to a XXXX XXXX who stated that she could not transfer me to an attorney and i asked her how can i take care of this she stated that she can see and if i pay it it may be settled and i asked her how long she stated she does not know how long this takes and no one there will have a time frame and that there was nothing that could me sent to me. My complaint is that this is on my credit report and not one of these agencies could help me with clearing this off my credit report, i'm not understanding why both companies wish to make this process so stressful for me to get cleared.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

after i filled a cfpd complaint # XXXX Your statement said that the account was closed and removed from my credit report yet it is still appearing on my credit report. please remove all negative remarks from my credit your statemtn said it was removed from my report in year 2021 thats two years ago and yet it still appears on my credit report
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account " XXXX XXXX XXXX '' Account # : XXXX Routing # : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 


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 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC. (IL)

I would like to have someone look into the high interest rate car loan I was placed in with Ally Financial in XXXX. The rate I was placed in is 20.44 % over a 7 year pymt period. The original loan bal was XXXX. The current bal is now XXXX. Since XXXX I have paid a total of XXXX There records indicate that XXXX, XXXX has been paid to interest and only XXXX has been applied to the principal. There are 34 payments remaining that total XXXX  additional dollars. This high interest loan that I was placed in is in no way the way you properly conduct business in a fair and decent undiscriminatory way. I believe I was placed in this loan wrongfully. The loan exceeds the life of the vehicle. The vehicles transmission has gone out leaving the current vehicles value only at an estimated XXXX. On XX/XX/XXXX and XX/XX/XXXX, I reached out to the lender and was transferred to 3 different departments only to be told there is nothing they can do. Each department said they did not have access to see the total amount of int I have paid. The departments were customer service XXXX, collections XXXX ( XXXX ), and work out team XXXX ( XXXX ). I believe the lender and the dealership did not hold good moral intention when they placed me in this loan. I believe my rights have been deliberately violated.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Dear Sir or Madam : I am writing to dispute an unauthorized trade line that continues to be reported on my credit file by XXXX XXXX  XXXX and the three major credit bureaus ( XXXX, Equifax, and XXXX ) despite my multiple disputes. This illegitimate XXXX XXXX XXXXXXXX account listing is the result of fraud and identity theft, which I am a victim of. 

I have never opened or had any relationship whatsoever with XXXX XXXX  XXXX. I did not authorize this account, provide any personal information for its creation, nor have I ever had any access or made any charges on this fraudulent account. Despite disputing this inaccurate entry multiple times, XXXX XXXX  XXXX and the credit bureaus have continued harassing me about this account that has nothing to do with me. 

Under the Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from identity theft - 15 U.S.C. 1681e ( b ) mandates maintaining reasonable procedures to ensure maximum accuracy - 15 U.S.C. 1681s-2 ( a ) prohibits furnishing information to a credit bureau if notified of identity theft - 15 U.S.C. 1681i requires conducting reasonable investigations of disputes Additionally, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692d, 1692e prohibit harassment and the use of false, deceptive, or misleading representations connected with attempted collection of a debt not owed. 

The continued presence of this fraudulent XXXX XXXX  XXXX account and the unrelenting harassment about it by XXXX XXXX XXXXXXXX and the credit bureaus violates multiple federal consumer protection laws, as outlined above. As an identity theft victim, I have an absolute legal right to have this inaccurate and illegitimate information blocked, deleted, and no longer pursed or reported. 

I demand XXXX  XXXX XXXX and the credit bureaus immediately : 1. Investigate and remove the unauthorized account 2. Cease all harassment, collection efforts, and reporting related to it 3. Implement procedures to prevent its re-insertion per FCRA requirements Please promptly investigate this matter, take corrective actions, and provide me written results within the statutorily mandated timeframes. I am prepared to pursue all legal remedies for any continued violations of federal law, including filing complaints, seeking damages, and attorney engagement.

Enclosed is documentation and a copy of my identity theft report. I trust you will undertake a timely resolution to this serious matter that is severely damaging my credit and consumer rights.
Consumer complaint received 2023-09-27
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. (MA)

I'm trying to buy a house, and I realize I still have damages on my credit report. According to the 15 USC 1681 Law, there should not be any damages on my credit report. This is a defamation to my character.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request the removal of certain accounts from my credit report. After a careful review, I believe the information related to the following accounts is inaccurate : Accounts are paid in full. XXXX XXXX # XXXX date XX/XX/2023, XXXX XXXX # XXXX Date XX/XX/2023, XXXX XXXX XXXX XXXX # XXXX Date XX/XX/2023 Enclosed are supporting documents received from the company for your review. I request a prompt investigation, verification, and update of my credit report in accordance with the Fair Credit Reporting Act. Thank you for your attention to this matter.
Consumer complaint received 2024-04-24
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)

Dear Sir or Madam : I am writing to dispute an unauthorized trade line that continues to be reported on my credit file by XXXX XXXX XXXXXXXX and the three major credit bureaus ( XXXX, XXXX, and TransUnion ) despite my multiple disputes. This illegitimate XXXX XXXX XXXXXXXX account listing is the result of fraud and identity theft, which I am a victim of. 

I have never opened or had any relationship whatsoever with XXXX XXXX XXXX. I did not authorize this account, provide any personal information for its creation, nor have I ever had any access or made any charges on this fraudulent account. Despite disputing this inaccurate entry multiple times, XXXX XXXX XXXXXXXX and the credit bureaus have continued harassing me about this account that has nothing to do with me. 
Under the Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from identity theft - 15 U.S.C. 1681e ( b ) mandates maintaining reasonable procedures to ensure maximum accuracy - 15 U.S.C. 1681s-2 ( a ) prohibits furnishing information to a credit bureau if notified of identity theft - 15 U.S.C. 1681i requires conducting reasonable investigations of disputes Additionally, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692d, 1692e prohibit harassment and the use of false, deceptive, or misleading representations connected with attempted collection of a debt not owed. 

The continued presence of this fraudulent XXXX XXXX XXXXXXXX account and the unrelenting harassment about it by XXXX XXXX XXXXXXXX and the credit bureaus violates multiple federal consumer protection laws, as outlined above. As an identity theft victim, I have an absolute legal right to have this inaccurate and illegitimate information blocked, deleted, and no longer pursed or reported. 

I demand XXXX XXXX XXXXXXXX and the credit bureaus immediately : 1. Investigate and remove the unauthorized account 2. Cease all harassment, collection efforts, and reporting related to it 3. Implement procedures to prevent its re-insertion per FCRA requirements Please promptly investigate this matter, take corrective actions, and provide me written results within the statutorily mandated timeframes. I am prepared to pursue all legal remedies for any continued violations of federal law, including filing complaints, seeking damages, and attorney engagement. 

Enclosed is documentation and a copy of my identity theft report. I trust you will undertake a timely resolution to this serious matter that is severely damaging my credit and consumer rights.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on 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 XXXXXXXXXXXX Balance Owed : {$0.00}