davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year>, XX/XX/year> and XX/XX/year> Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date. 
Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, Experian, and XXXX have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-31
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. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$160.00}, Medical XXXX Balance : {$770.00}, Medical XXXX Balance : {$770.00}
Consumer complaint received 2023-05-31
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. (MN)

I submitted to Transunion letters from the Bankruptcy Courts in the District of Minnesota and Western District of Wisconsin showing that they had no bankruptcy records under my name, SSN and DOB. Transunion claims that it verified both records as belonging to me. I then contacted the courts once again to figure out the discrepancy and the clerks from both courts stated that they do not communicate with consumer reporting agencies. I requested Transunion to provide me with contact information of the individual who verified the records especially when I have submitted letters directly from the courts. Transunion has been unable to provide me with the information requested. Transunion continues to violate the FCRA by reporting the bankruptcy records when the court records show that there are such no records
Consumer complaint received 2024-10-16
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (SC)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-05-31
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. (IL)

1. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (TX)

i m paying my accounts full every month and i submitted dispute with citi about a fraudelent so called hvac person who came and charged me and did nothing at all and had no clue what he is doing and had no clue to even diagnose.. 

citi not only rejected my disputed, but started threatening me to send my account to agencies though the amount was already in full paid by myself THIS IS UNACCEPTABLE TO SEND SUCH LETTER WHEN I ALREADY PAID MY ACCIUNT AND THE AMOUNT ITS ABSOLUTELY OUTRAGEOUS i have credit score of XXXX and never ever had a late payment and i have been abused by citi by letter threatened i m having my account send to agency, while the amount was fully paid and i have automatic payments full balance each month whatever i write here can be verified
Consumer complaint received 2023-05-31
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. (MO)

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 2023-05-31
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. (CA)

I received a copy of my lexus nexus credit report. After contacting XXXX, XXXX, and Transunion it is reported a Bankruptcy from XXXX XXXX. 

The courts do not provide ANY credit information to any of the major credit bureau 's. XXXX XXXX sold my information without my consent. This information is wrongfully listed and has prevented me from obtaining credit. The information reported by XXXX XXXX is incorrect, names, adddress and Bankruptcy information. I've reached out to XXXX XXXX via email and u.s mail with no correspondence.
Consumer complaint received 2024-10-16
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. (TX)

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 2023-05-31
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. (TN)

I am reporting Transunion customer service department they did not help remove the negative inquiries that are reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (LA)

XXXX XXXX is taking me to court over a supposed credit card debt that, I do n't recall signing for. I have sent three letters to XXXX XXXX asking to show proof bearing my signature of a such loan with their company with not response. Next I sent another letter asking them to show proof of my signature on anything agreeing to open an account with them with no results. Now I am being taken to court with no discovery of such debt nor information of such a debt paid for by them or bought with an act of sale with XXXX XXXX. Not sure how they are authorized because in the disclosure it states the binding agreement is with XXXX XXXX, I have disputed this bill and the amount. XXXX XXXX is not a bank or credit lender and not authorized to file such a suit from the state of Delaware. The company or attorney 's are in XXXX XXXX an not authorized to practice law for the state of Delaware. I want all actions of lawsuit to cease and stop. I want to file suit against XXXX XXXX for false discovery an not providing proper sale of such said item not bearing my signature of any money owed to them what so ever the attorney 's office is XXXX XXXX XXXX XXXX XXXX. Or XXXX, XXXX XXXX XXXX. XXXX XXXX Louisiana, non licensed to practice for the state of Delaware. Telephone number XXXX -- XXXX.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 2023-01-17
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: Experian Information Solutions Inc. (CA)

These Consumer Reporting Agencies and XXXX XXXX have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my relationshp, and paying higher interest rates for insurance, etc. XXXX XXXX is the ringleader and pushing XXXX profling by fishing for via third party sites and selling consumer information to the Credit Reporting Agencies and other entities, with out consent from the consumer allowing them to verify and not validate inaccurate and disputed information as fact. Along with XXXX they are committing fraud and breaking consumer laws. And with XXXX having one of the largest Identity breaches, im not surprised. I am a victim of that breach. Experian is following suit stating that the disputed information is verified however, according to the XXXXXXXX XXXX XXXXXXXX XXXX XXXX- they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. Which also does not furnish information to the CRA 's. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our misfortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and give me the run around to solve any issues. YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 1. I DO NOT consent to updating, I have disputed and asked to have it validated and even with documentation stating they couldn't not have received the information via the court STILL Experian, XXXX and XXXX XXXX are REPORTING INACCURATELY, XXXX has already deleted the error and All need to be reporting the same information per the FCRA -** I REQUEST BLOCK/DELETION. ** 2. No record of this bankruptcy is to be added back ever again. 3. I request that it be removed within the next 5 business days, and send me an updated consumer report after deleting said bankruptcy. I have already been apart of the Identity theft breach with XXXX and have had to deal with too many issues involving my Credit profile and sensitive information.This is the second time my information has been leaked because of XXXX 's terrible security measures and they won't fix my erroneous errors once I notice incorrect actions and I wasn't even able to access my credit report since 2019!!!! Ridiculous!! Please Promptly delete the Bankruptcy record.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

1. The following personal information is incorrect
    
        Previous Address(es)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

2. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

3. The following personal information is incorrect
    
        Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
4. The following personal information is incorrect
    
        Employers: NOT PROVIDED
Consumer complaint received 2023-05-31
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. (TX)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX/XXXX  XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX Balance XXXX {$26000.00} XXXX/XXXX XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX/XXXX XXXX Balance : {$270.00}
Consumer complaint received 2021-01-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

XXXX, Equifax and XXXX  have not responded to any of my disputes! I have been sending out disputes for over 6 months now and have yet to receive a single letter from the bureaus or any results! I understand that with the pandemic there is a delay but it can't possibly be over a 6 month delay. Lawfully they are required to respond to me within 30 days. There are inaccurate items on my credit that need to be removed!!
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I'm an XXXX XXXX XXXX and USAA increased my rate from 7 % to 10 %. Under the SCRA and/or Military Act am entitled to 6 %. I want USAA to decrease my rate and provide me the refund of interest. Its an Unfair practice to increase an interest rate on XXXX XXXX military.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-15
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 have submitted multiple complaints to XXXX, XXXX, and Transunion. They have not completed an investigation. I have addresses that I have never lived at and accounts that are erroneous. I am hoping with the help of CFPB that my investigation will actually happen. Please see my letters with 3-bureau tables showing all of the discrepancies in my credit report.