davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter onto remove items that is 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 remove/block any items or information 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
Consumer complaint received 2023-03-07
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  Accounts # 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 instructi
ons.
Consumer complaint received 2022-12-12
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)

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX  Balance : {$200.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2024-03-27
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. (NY)

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this claim.
Consumer complaint received 2023-01-07
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: EQUIFAX, INC. (DC)

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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I got approved for a auto from credit acceptance and set up my auto payment to be paid auto pay. The payments for a year have been auto pay. Well I found out via my credit report that they are reporting me late and set my auto against my due date so that I am late every month although I pay my car loan every month auto pay and have for a year since I got car. I asked for auto pay to be set up bi weekly as well to cut interest. For a year they only applied XXXX  to my principal. And affecting my credit by reporting me late.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. States I have 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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NY)

I purchased furniture from XXXXXXXX XXXX and had to open a credit card to pay it back in installments. XXXX XXXX  employee gathered all the information and send it to the bank and opened a wells Fargo account at the end of the XXXX  year, after opening I realized they used my husband 's name under my social security. I called a couple of times to fix it but got no help every time they transferred to other customer care and ended up saying they could not help. 
I did not document all the phone calls but only once, which was my last call. 
On XX/XX/XXXX called on wells Fargo 's credit card helpline around XXXX XXXX, according to the customer care employee name XXXX employee ID XXXX, it was corrected on XX/XX/XXXX but it was not showing online banking. the online banking was still my husband 's name and as he was the owner I can not pay bills. XXXX transferred me to XXXX employee ID XXXX, he could not help as he was not able to pull the account information from his side. He transferred me to XXXX XXXX Employee ID XXXX and asked me to call on number XXXX because he was having trouble opening my account information. I called on that number around XXXX XXXX customer care employee name XXXX XXXX, refused to give me her employee ID and transferred me to her supervisor. SUpervisor 's name is XXXX ID XXXX, according to him the info from their end is correct but online banking was still under my husband 's name. He generated IT ticket number XXXX and told it should be resolved in 4 days and if not he does not know what to do. 

I also went to XXXX XXXX XXXX XXXX a couple of times, according to them they gave the correct information to the bank and now they can not help.
Consumer complaint received 2023-01-07
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. (GA)

There is a collection account on my report that I have no knowledge of. When account was disputed, no details on how the company determined the account is mine XX/XX/XXXX - Dispute opened with XXXX XX/XX/XXXX - Dispute opened with XXXX XX/XX/XXXX - Dispute opened - letter attached to online dispute with Transunion
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 

XXXX XX/XX/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
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (NJ)

The credit collection agency Credit Control LLC representing JH Portfolio has violated the FCRA by not providing documents to me in regards to this debt. Until   XXXX   XXXX    , I was unaware of this creditor and upon finding out requested documentation through  XXXX   XXXX   XXXX  dispute. Upon not receiving the information requested, I contacted th e JH Portfolio directly through the   XXXX   XXXX   XXXX   (  XXXX  ) com plaint ID #  XXXX  on   XXXX   XXXX   XXXX     to remove this debt based on not being given the opportunity to dispute the debt in question.  JH Portfolio  responded to my complaint on   XXXX   XXXX   XXXX     that they sent a letter to a previous address through Credit Control LLC since they are a passive debt collector and collect through external collection agencies. They attached a PDF of a letter supposedly sent on   XXXX   XXXX   XXXX    , however, I was unable to open the PDF.     Since they stated in their response to my complaint that Credit Control LLC is the collection agency responible for my account, I contacted Credit Control LLC on   XXXX   XXXX   XXXX    . I was told that Credit Control LLC is a third party collector for  JH Portfolio  therefore they do not have any documentation. As such, this account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If Credit Control LLC does not have any documentation other than the PDF JH Portfolio provided to the  XXXX   ( i.  e.  signature contract agreeing to pay  XXXX  they need to retract this from my credit file immediately.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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 2024-03-26
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. (FL)

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
THEY ARE SEVERAL INQUIRIES THAT I REQUIRE PROOF OF A PERMISSIBLE PURPOSE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I contacted the four ( 4 ) main Credit Reporting Agencies and let them know that they are falsely reporting an account on my consumer report as the creditor stated in writing that they were not reporting on my report. However, they are still is claiming the report as accurate after disputing with them.
Consumer complaint received 2017-05-10
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. (PA)

I have been disputing a  XXXX   XXXX  account on my credit report since  XXXX   XXXX . I have asked for verification from  XXXX   XXXX  of this negative account that they have reported to credit bureaus,  XXXX ,  XXXX , and Equifax. I sent out a letter on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  signed for the letter on  XXXX   XXXX ,  XXXX . I gave the company 30 days to respond with more information on this account. I did not receive a letter until  XXXX   XXXX ,  XXXX . The company is not only reporting inaccurate data but has also broken the FDCPA. I have all documents and dates of the communication between  XXXX   XXXX  and myself. The company has continued to break the law. I have tried communicating with them and they refuse to talk with me. I have sent multiple letters asking for validation on the account. The company is also refusing to send a letter stating that if i do pay this debt they can not guarantee that it will reflect as paid on my credit report. When i asked to speak with a supervisor for this matter, i was told they did not have any on staff.  XXXX   XXXX  has also sent the account to a collection company and when you ask who has ownership of the account, they both point fingers. The company holding the account says they do not report to the credit reporting agencies and when you ask  XXXX  to send a letter asking to update to the credit bureaus once paid, they state that they can not do that.
Consumer complaint received 2017-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

I spoke wit h a Chase c ustomer service representative on  XXXX   XXXX ,  2017  or so regardin g my Chase Sapphire Preferred card. I told the representative that I wanted to close my account and asked about a refund of the {$95.00} annual fee. He told me that the {$95.00} annual fee had no t yet been paid and that it would be automatically be withdrawn from my bank account on the due date for my most recent statement which was  XXXX   XXXX ,  2017 . He told me that I had 30 days from  XXXX   XXXX ,  2017  to close the account and obtain a refund of the {$95.00} fee. I said, OK and decided to give myself more time to consider closing the card. On  XXXX   XXXX ,    2017  at approximately  XXXX    XXXX   EDT, I spoke with another Chase representative to report  XXXX  fraudulent charges on the card and decided at that point to close the card rather than have her reissue the card. She closed the card and transferred me to customer service regarding the {$95.00} fee. The representative to whom I was transferred told me that I was eligible to receive a refund of the fee and that I would see the refund on m y account within one to two billing cycles. I asked how, if the account was closed, they could refun d the fee to that account. She said the refund would post to the account even though it was closed and that I could then request a check or have the {$95.00} credit transferred to another Chase card. Today,  XXXX   XXXX ,  2017 ,  Chase sent me a secure message telling me that I will not receive the refund. This is unacceptable. Chase representatives twice told me that I would receive a refund and I expect Chase to honor the statements made by their own reps. Phone calls to Chase representatives are recorded and I expect that what I am saying can easily be confirmed by listening to the recordings. Also, please be informed that I intend also to record all of the calls I make to Chase from now on .
Consumer complaint received 2023-01-07
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. (GA)

To who this may concern, I am submitting this complaint to the CFPB in regards to XXXX XXXX threats to sue for an alleged debt that they have yet to prove belongs to me. They have been using abusive and deceptive practices in trying to collect on this alleged debt. I have written this company several times asking for proof that this debt belongs to me and they have failed to provide such proof. XXXX XXXX has not done that. Instead they continue to send threating letters to sue without having proper license to collect in my state of GeorgiaXXXX I've asked them to send proof of debt and they sent an old bill and a bill does not substitute as proof that a debt is valid. I also asked them to provide me proof that they have the authority to collect in my state and that was not provided either. I demand for this company to STOP all collection attempts and remove my information from their database. I also am seeking remedy for emotional stress due to their threats. I will attach a letter that was sent to me back in XXXX as I am unable to locate the letter they sent in XXXX. I live in the state of Georgia in which XXXX XXXX does not have the license to actively collect in this state. I am seeking {$1000.00} remedy and my information permanently removed from their database immediately. 

Best Regards, XXXX XXXX
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX 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 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX 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 2023-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (UT)

Someone in FL opened an FNBO credit card ( XXXX XXXX ) in my name. I received a text with a " One-Time Passcode '' from FNBO at XXXX XXXX. Shortly thereafter, an agent from FNBO called regarding the new account. She thought she had been speaking with me as the perpetrator was using some kind of caller i.d . device that projected my cell phone number to her. She was very perplexed and connected me with their fraud department at XXXX. The card was closed. The agent in the fraud department asked that I report this incident to you. My contact information is : XXXX XXXX XXXX XXXX XXXX