davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (FL)

XXXX XXXX is reporting fraudulent information to credit agency 's due to a ongoing dispute between us. 1 : I tendered payment and they did not like my payment that is acceptable under the current laws, Debt is discharged = period 2 : They never loaned anything and are not holders in due course of my " instrument " contract they sold it " securitized it on the market. 
3 : They wrote off XXXX when there was only XXXX left and they removed my property and still never returned it or informed me about any sale therefore how can they post false, incomplete information. 
They are damaging me by multiple reporting, Amount, times, and charge off causing a XXXX point impact on all 3 agencies and causing emotional stress
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (LA)

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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the XXXX, since XX/XX/2022 to present. I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from the credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (LA)

See attached!! Despite my previous XXXX written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. 

Your failure to delete the disputed accounts that you can not verify after XXXX written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation, through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the aforementioned items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

I have to used my comenity XXXX XXXX card in almost a year every fee months my card is being charged and assure fees are being added to purchases I did not make. I am opted to receive billing notifications but I havent reciprocated any of them and I keep getting late fees for purchases I did not make. Every month they double. I have called about this issue before and all the charges were disputed and I still had to pay a fee for something I did not use.
Consumer complaint received 2023-09-08
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. (IL)

Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report relating to account XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX XXXX Code : Individual Individual - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$260.00} {$260.00} {$0.00} Credit Limit : {$200.00} {$200.00} {$0.00} Payment Status : Current Current Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-07-13
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)

Re : SECOND DISPUTE REQUEST AND DEMAND FOR IMMEDIATE DELETION I recently received your notice of completion concerning my dispute, wherein I indicated the presence of inaccurate information being reported on my credit profile. This communication serves as my SECOND WRITTEN REQUEST, emphasizing your obligation to immediately remove the inaccuracies and fraudulent accounts identified below. These accounts persist on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681.The FCRA, under 15 U.S.C. 1681i, mandates you to conduct a thorough investigation when I dispute the accuracy of the information you report. Regrettably, your response to my first dispute was unsatisfactory and incomplete. You merely asserted that the disputed items were " reported correctly, '' without providing any documentation or outlining the process of investigation, thereby failing to meet the standards set forth by 1681 ( a ) ( 4 ) .Under Engelhardt v. Gravens , 281 S.W. 715,719, given that I have not supplied proof under the doctrine of estoppel by silence, it is presumed that no proof of the alleged debt, nor the existence of any debt, indeed exists. Thus, I am now requesting the following : 1. The documents you used to verify the accuracy of these accounts.

2. The name of the individual in your organization who verified these accounts, their business address, and telephone number. 

According to XXXX XXXX XXXX, the act of " verification '' implies that you must possess authentic, firsthand documents that not only confirm these accounts belong to me but also verify that the reported information is accurate. If required, you should be prepared to defend the authenticity of these documents under oath, under the penalty of perjury, in a court of law. Failure to provide the requested documentation will be interpreted as an inability to verify these accounts. In such a case, under Section 611 ( 5 ) ( A ) of the FCRA, you are legally obliged to promptly DELETE all information that can not be verified. If these inaccuracies are not rectified and the disputed items deleted promptly from my credit report, I will interpret this as a negligent noncompliance of federal laws, which carries civil liability under Section 617 of the FCRA. As a consumer prepared to enforce my rights legally, I will consider taking necessary legal action to uphold my rights under the FCRA. The disputed accounts are as listed on my credit profile with your agency Account Name XXXX XXXX XXXX Account Number XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number Account Number XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX XXXX Thank you for your immediate attention to this matter. I anticipate your prompt response and a resolution to these issues.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I rented a car through XXXX on XXXX XXXX XXXX in New York City for the dates of XX/XX/2023 through XX/XX/2023, and they did not provide me with an XXXX XXXX ( that I requested ), and this resulted in additional charges. However, the price of my XX/XX/XXXXday rental was initially {$320.00}, and I was charged an additional {$290.00} upon returning the vehicle ( I never received a receipt to explain the charges, and I can not get in touch with an XXXX representative over the phone ). I returned the car on time and with no damage, and I did not incur {$290.00} in tolls driving to Delaware and back. 

I tried submitting a dispute for the additional {$290.00} through the Chase Bank app, but they redirected me to a phone line with long ( XXXX hour ) wait times. I would like Chase to reach out and help me dispute this erroneous charge. Thank you!
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have XXXX dealing with this problem for over a year now. This reporting agency continues to report false information on my consumer report that I clearly do not have per the courthouse and XXXX XXXX. So I'm not understanding how you are still able to report information that does not exist. At this point this is FRAUD and you are past violation my rights and the LAW. I need this incorrect information that does not exist removed immediately. There is no way possible you can say the court or XXXX XXXX furnished you this information because I have proof in writing they didn't so stop defaming my character and delete these lies you report!!! See proof attached
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: EQUIFAX, INC. (NY)

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 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (SC)

XXXX. XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 This company added late payments and this account is closed/reported card stolen XXXX. XXXX XXXX XXXX XXXX XXXX This company added late payments and this company advise me to refinance, but overall did not remove the late payments as promise XXXX. XXXX XXXX XXXX XX/XX/2023 This company added late payments and this account is closed/reported card stolen I also respectful request to be provided proof of these items
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: World Omni Financial Corp. (FL)

In accordance with the fair credit reporting act XXXX XXXX Account, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

" All Rights Reserved ''
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (CA)

I requested my report, in the mail i received notification they didnt have it or could not verify me, i contacted them on XX/XX/30 and was able to get my identity verified They sent me a letter with a link to my report which i could not access, i contacted support via email, they tell me to call, i can not get through to a live individual I contact them via email and ask for a supervisor, they refuse to comply and thus have not provided me with the report i have asked for They replied to case XXXX and essentially sent the same thing that they did before, i complied with their requests, they did authenticate me and sent me my file link but the link did not work, now all of a sudden they cant authenticate me again and want me to go through their lengthy procedure that originally failed I got a voicemail from XXXX XXXX on XX/XX/30 XXXX XXXX i returned her call on XX/XX/30 at XXXX to which i left a voicemail and to this date i have not had my call returned, i am providing screenshots showing that i did indeed call and that the call time was 23 sec which is enough time to leave a proper voicemail
Consumer complaint received 2024-03-12
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. (AL)

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 2023-06-16
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: Experian Information Solutions Inc. (CA)

XXXX, XXXX XXXX Experian Hard Inquiry Removals : XXXX. ) XXXX XXXX / XX/XX/2023 XXXX. ) XXXX XXXX / XX/XX/2023 XXXX. ) XXXX XXXX XX/XX/2023 This is a violation of the Fair Credit Reporting Act ( Section 1681 b ) and a serious breach of my privacy rights.
Consumer complaint received 2023-09-08
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. (WV)

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 Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's stressing me out and those negative items are already old but still reporting on my credit.
Consumer complaint received 2021-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion should be out of business they lie and do things wrong. You give them information they ask for. They pretend to never receive documents so they can keep fraudulent accounts open. They dont follow up with rules and regulations. There are 5 inquiries. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-08
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. (WV)

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 Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's stressing me out and those negative items are already old but still reporting on my credit.
Consumer complaint received 2023-09-08
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/XXXX.