davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated this thing in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX XXXXXXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

When I supplied a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following accounts listed beneath that are responding incorrectly as a result of fraud. The following accounts must be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I XXXX  also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XX/XX/2023 :
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Case Reference Number : XXXX Dear XXXX  XXXX XXXX XXXX, I am responding to your submission to the Consumer Financial Protection Bureau regarding my XXXX XXXX XXXX XXXX account ending in XXXX. I appreciate your efforts to investigate this matter, but I must assert that several issues remain unresolved, and I believe federal law violations exist. 

Truth in Lending Act ( TILA ) - Title 15 USC 1601 : Requires lenders to disclose key terms and costs of credit for car loans. I did not see that or a copy of my notice of my right to rescind.

I request my downpayment FOR VIOLATION OF Title 15 USC 1605 ( a ) & ( b ) My downpayment was not factored in the finance charge as on page 4 that you sent.

Fair Credit Billing Act ( FCBA ) - Title 15 USC 1666 & Regulation Z ( 12 CFR Part 1026 ) & Discrepancies in Balance ( Title 15 USC 1639 ) : The balance listed in the document you provided on XX/XX/XXXX said the balance was {$310000.00}, which is not reflected on my credit report. 
The balance of page XXXX of the document you provided stated the balance was {$4800.00} On my credit report published XX/XX/XXXX, proves your response about everything being accurate to be false : They all show inaccurate information which was published by XXXX stated in your response. Please see highlighted portions. 

Regardless of XXXX  preference Equal Credit Opportunity Act ( ECOA ) - Title 15 USC 1691 et seq. protects me, from XXXX from continuously furnishing inaccurate information that is reflecting negatively on my protected class. 

Please provide the address that the car was removed from and the call to prove that my XXXX mail was non-deliverable and that I continued to send mail there. 
On pages XXXX and XXXX of the documents XXXX sent, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX stated that XXXX had my car because I broke promises in our agreement. Please describe the broken promises in our agreement. Also, please provide the agreement made between XXXX and me. 


Please see the three attachments : ( 1 ) confirming my identity, ( XXXX ) from XXXX, ( XXXX ) from me, with evidence of the fraud committed against me
Consumer complaint received 2023-03-03
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-03
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received emails stating a Bank of America checking account had been created with my information. I also received a response from BOA that the account was closed, however, I keep receiving statements from them for an active account. I did not open this account and have never been a BOA customer.
Consumer complaint received 2023-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P. (LA)

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending this complaint to dispute the presence of fraudulent accounts on my credit report, which have persisted despite previous requests and confirmed documentation of identity theft. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX 

I request an immediate investigation into these accounts and their removal from my credit report in accordance with legal requirements. Your prompt action in resolving this matter is appreciated.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Throughout, I've made certain payments on this account are promptly settled, avoiding any overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
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)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

XXXX just opened a secured XXXX account with CapitalOne. Their online system tells me that I am still responsible to pay on two ( 2 ) credit card accounts that were settled as " paid in full '' almost two years ago. I contacted the law firm that purchased the two charged off accounts. They confirmed Ido NOT owe on those two accounts and have provided me letters stating just that! Capital One rep admitted they are aware of this problem with their computer system but they have no idea of if/when it can be fixed- I am quite sure they are reporting this same erroneous information to XXXX, XXXX and XXXX! Help!?
Consumer complaint received 2023-06-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carvana Group, LLC (GA)

I Consumer XXXX XXXX entered into a consumer credit transaction with Carvana, one on XX/XX/2021 and one on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Carvana took cash. The finance charge is supposed to include insurance, but Carvana made me purchase insurance separately.
Consumer complaint received 2023-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: South Mississippi Collection Services Inc. (TX)

Hello and thanks for your response. In your response you stated your office has spoken with me multiple times which is not true. May you please attach documentation of me calling your office and speaking with anyone in regards of a debt that I do not owe. I again do not stay in the state of Mississippi. This is going against many violations and I would love to see some supporting documentation. This debt is causing me distress and stopping me to provided for my children. Hopefully we can resolve the matter. 

The debt is from the following dates XXXX, XXXX2019 and XX/XX/2019 in the amount of {$590.00} and $ XXXX {$2500.00}.
Consumer complaint received 2023-01-05
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. (FL)

In accordance with the fair Credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account number : XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original creditor XXXX XXXX  ) account number XXXX XXXX XXXX  ( original creditor XXXX XXXX  XXXX in company XXXX account number XXXX XXXX XXXX ( original creditor XXXX XXXX XXXXXXXX XXXX company account number XXXX XXXX XXXX  account number XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) account number XXXX Account number XXXX 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.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (TX)

Past in XX/XX/XXXX. I asked to waive the interests if I pay {$16000.00} in full, then they agreed to waive remaining interests from previous months. 
XX/XX/XXXX to XX/XX/XXXX total of {$1600.00} to their crazy increase in interests it was XX/XX/XXXX- XX/XX/XXXX- {$330.00} XXXX XXXX {$390.00} Then after that date interest went down for no reason. With the same remaining balanced balance never changed. Interest changes every months. 
So total was {$1600.00} from XX/XX/XXXX to XX/XX/XXXX. They waived XXXX and XXXX while on the phone. They said they need to bring to upper management to actual authorize for the fees to go away Also it was on their mistake to keep increasing my credit limit without my approval. It went up to {$18000.00} credit limit without my knowledge. Whole months I never received any letter or statements. Which they recorrected to send me them but that was too late. 

We agreed for me to pay my debts but not interests those months- XX/XX/XXXX to XX/XX/XXXX Which I finally paid on XX/XX/XXXX, XXXX to do my part. 
There was remaining balance for them to waive the fees. I waited over months and months. I was keep paying because I didnt want any negative effect on my credit. I was buying a house. 

I kept calling, they said theyll investigate but it went no where. 
I kept doing chats online, they said theyll investigate. It went nowhere. 

I had the confirmation code that they found the agreement and they confirmed that fees supposed to be waived. 
Confirmation code was XXXX from XX/XX/XXXX when they found the agreement. 

Confirmation code from XX/XX/XXXX when we had agreement was never given. So XX/XX/XXXX, thats when they found it After that, they just wont waive still. It puts me in constantly cycle. 

They kept processing to send it to collection and increasing my interests plus late fees. Even though I paid from XX/XX/XXXX to XX/XX/XXXX. Thats when I stopped paying. 
Balance went down to around {$800.00}, it went up to {$1300.00} with late fees and interests
Consumer complaint received 2017-05-13
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. (MA)

I have sent the company two certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to XXXX XXXX. Both companies have yet to provide any validation bearing my signiture. After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-03-03
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-01
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. (IL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (NY)

I was contacted in XX/XX/2022 about a debt that was owed to XXXXXXXX XXXX XXXX. I immediately set up a payment arrangement with the agent to pay the debt off. I set up {$30.00} a week payments for 2 months to pay off the debt. She advised me that since I set up a payment arrangement this would not be sent to the credit bureaus. I received a notification today that this account hit my credit report. It dropped my score XXXX points. I am in the process of buying a home for me and my family so I have been building my credit for the last 12 months. This will absolutely ruin the chances of me buying a home. I called the company ( Conserve ) and the agent was no help at all.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress caused on me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person ( s ).
Consumer complaint received 2023-08-26
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: EQUIFAX, INC. (NY)

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case