davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Previously I sent a dispute to XXXX and TransUnion to remove two ( 2 ) inquiries made by XXXXXXXX XXXX XXXX  XXXX sent me a letter in response stating they have completed their investigation and made the decision to remove the hard inquiries from my TransUnion credit report and to allow up to 1 month for the change to reflect on the report, it's been almost 4 months and the inquiries still on the report. 

The inquiries are the followings : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be attaching a copy of the letter sent from XXXX
Consumer complaint received 2023-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Previously I sent a dispute to XXXX and TransUnion to remove two ( 2 ) inquiries made by XXXX XXXX DELAWARE. XXXX sent me a letter in response stating they have completed their investigation and made the decision to remove the hard inquiries from my TransUnion credit report and to allow up to 1 month for the change to reflect on the report, it's been almost 4 months and the inquiries still on the report. 

The inquiries are the followings : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be attaching a copy of the letter sent from XXXX
Consumer complaint received 2023-08-19
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. (OH)

XXXX XXXX XXXXUPDATED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXVERIFIED AS REPORTED XXXX XXXX XXXX XXXXUPDATED XXXX XXXX-UPDATED XXXX XXXX XXXX XXXXUPDATED XXXX XXXX XXXXUPDATED This is not telling me how we're these account verified .

So once again I'm requesting method of veification for the accounts above, not an update but verification.

I request that you send me this information so that I know that the investigation was in fact conducted properly. If yo are unable to respond in a timely manner and /or provide me with the requested documentation, please delete the accounts ) from my credit report. 
Thank you,
Consumer complaint received 2024-04-02
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. (NC)

I put in a change of address prior to moving. My mail carrier returned some of my mail in error ( ( I was told by XXXX ). In the meantime, I was in good standing with XXXX aka Iowa XXXX XXXX as an XXXX plan was in place good through XX/XX/2024. However, in their attempt to send me correspondence, they not only placed that I could not be found ( they still had my phone number and email address and did not use it to " find '' me ). From XX/XX/2024 and every month up until recently, they put a negative report on file stating I was behind and added an amount over XXXX per account ( XXXX accounts ) stating I was late. I called and spoke to their billing department and the woman stated that she did not say I was late just could not be found and the information could not be removed. This has caused my credit score to drop significantly and now has caused a problem with me obtaining gainful employment. I had a problem with their reporting in the past even though I kept in good standing with them they still falsely reported information about late payments and stated they are in their rights to do so. How can I ever pay them if I am consistently undermined by their tactics with my credit report to find gainful employment to be able to pay them off without enquiring more interest and fees? I graduated to better my life not to make things worse. Please help me.
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (IL)

After currently reviewing my consumer report, its has come to my attention that the financial institution XXXX XXXX XXXX XXXX failed to conform with applicable statutes such as the Truth and Lending Act, Gramm Leach Billy Act, Consumer Protection Act, and the Federal Reserve Act upon the consummation of this consumer credit transaction. XXXX XXXX  has engaged in unfair and deceptive tactics. As a result of their inequitable conduct, I have made an uninformed decision extending credit to XXXX XXXX XXXX XXXX because my consideration came with no benefit. Furthermore, in accordance with the Federal Reserve Act, XXXX XXXX XXXX XXXX failed to disclose to me that my application was the secured collateral tendered as the payment for the full amount of the consumer credit transaction. XXXX XXXX XXXX XXXX also failed to disclose that collateral offered would be in check form such as draft, or bill of exchange for acceptance, and to have drawing rights as the payee to receive, and to exchange as presentment, for payment to the principal balance on the account for my benefit. As a result of the lack of disclosures. All previous payments have been unduly paid out to XXXX XXXX XXXX XXXX. I have sustained multiple damages due to the deceptive and negligent actions by XXXX XXXX XXXX XXXX. Their failure of not fully informing me and providing pertinent disclosures regarding the use of my credit and withholding how I can exercise my right to privacy to protect my personal information, has affected my credit worthiness, credit capacity, character, and general reputation. These improper actions have resulted in unfair credit billing, credit reporting, and abusive collection practices. 


This notice is an attempt to exercise good faith that the bureau of the CFPB will enforce the violations associated with this transaction and to protect me from the illegal practices by this financial institution. These are direct violations of the Truth and Lending Act, Consumer Protection Act, the Federal Reserve Act and the Gramm Leach Bliley Act.
Consumer complaint received 2023-07-29
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. (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 accounts. 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 2023-08-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Been trying to get my money refunded after someone stole all my money from my card and bank of America keeps declining my dispute and will not provide me a reason why it's been two years back and forth with this bank
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a bank account with bank of america savings as well as checking. Both had money in them totaling around {$500.00}. They decided to close my account and they issued checks. By the time I received the checks they were expired. I called to have the checks reissued which took me over 4 hours on the phone waiting on hold to only be transfered to 6 different departments to then get hung up on.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX. I visited A XXXX bank for financial advice, and was given advice to closed a secured banking account without and safe briefings causing delinquency. Phone agents and other branches simply gave an apology and no help.

2. I have the suspicion that beaureus have different names. Causing Old or already taken care of accounts in different places, furthering my history and delinquency. 
My legal name XXXX XXXX XXXX And XXXX accept hyphens and Im guessing some ignored it 3.my biggest loans contributing to not receiving help is a business loan ( XXXXXXXX XXXX XXXX ) who was well aware I wanted a business loan and processed it as a personal one just to get it cleared Some bureaus flame I have no employee background even after trying to submit it Ive spoken to any and all accounts and branches and Im not being helped. 

XXXX XXXX
Consumer complaint received 2024-04-02
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)

I sent letters to Trans Union requesting that they remove XXXX collections from my Credit Report due to the accounts reporting inaccurately. I also sent letters to the XXXX XXXX Agencies that's reporting the inaccurate accounts. The Debt Collection accounts that I'm referring to are the following accounts : PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only change made after the investigation was a status change from an open collection account to a closed collection account. XXXX XXXX Companies listed about did not satisfy Consumer Credit Laws stated in the letters that I sent to the said companies.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I file a bankruptcy inXXXX that was later discharge in XX/XX/2019 which should not be reported on my credit file without my my permission. And it is very illegal to do so.I also call the courts to try and found out why its being reported and I was told that the courts doesnt provide any information to any of the three bureaus Ive contacting to credits XXXX XXXX XXXX and equifax by phone email and mail letters and it wasnt removed from my credit file there are also many inquires that I have any recollection of and I believe to be fraudulent and incorrect and I recently found out someone have been using my information to collect unemployment when Im disable
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (FL)

attached is the CERTIFIED MAIL FROM USPS XXXX and XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! Account : XXXX XXXX XXXX  CHILD SUPPORT XXXX Open options Account # XXXX XXXX XXXX XXXXOpen options Account # : **** XXXXXXXX XXXX XXXXXXXX Open options Account # : **** XXXXXXXX XXXX XXXX Open options Account # : XXXX   XXXX XXXXXXXX Open options Account # : XXXX XXXXOpen options Account # XXXX XXXX  Open options Account # XXXXXXXX XXXX XXXX XXXX XXXX  Open options Account # : -- XXXX XXXX  Open options Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open options Account # XXXXXXXX XXXX XXXX XXXXOpen options Account # XXXX XXXX Open options Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Consumer complaint received 2023-08-19
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. (NY)

TransUnion are reporting these two closed tradelines with XXXX XXXX XXXX XXXX. THEY WERE REMOVED FROM MY XXXX REPORT AND MY XXXX REPORT. I AM REQUESTING FOR THESE TWO ACCOUNTS TO BE REMOVED IMMEDIATELY. TRANSUNION IS VIOLATING 15 USC 1681e. IF THEY DO NOT COMPLY I WILL FILE ANOTHER SUIT ON TRANSUNION. SEE ATTACHED WITH THESE ACCOUNTS ON MY UPDATED TRANSUNION REPORT AND NOTICED FROM XXXX REPRESENTATIVE SENDING ME NOTIFICATION THAT IT WAS BEING REMOVED FROM XXXX. TRANSUNION IS THE ONLY ONE REPORTING AGAINST FEDERAL LAW. 
ACCOUNT # ENDING XXXX ACCOUNT # ENDING XXXX
Consumer complaint received 2023-08-19
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1300.00XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$120.00} XXXX XXXX XXXX : {$2.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$880.00}.
Consumer complaint received 2023-08-19
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. (TX)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCT # XXXX XXXX ACCT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deleted late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2023-08-19
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} CXXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX CORSA XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXXXXXX XXXX Balance : {$2.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$880.00}.
Consumer complaint received 2022-10-20
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-08-19
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. (CA)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$430.00}
Consumer complaint received 2024-04-02
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)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-08-19
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. (TX)

I am formally submitting my CFPB complaint for the removal of fraudulent items in my credit file. I am not satisfied of my previous report as I found out. The fraudulent items listed still remain on my credit report in violation of Federal Law. The credit bureaus failed to comply with within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Based on my FCRA Section 605b, the credit bureaus are obliged to remove such fraudulent information in my credit file. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. The following items should be remove right away : XXXX XXXX XXXX, XXXX FALLS, XXXX XXXX XXXX, XXXX XXXX, L XXXX Balance : $ XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXX, XXXX K XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/2022.