davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (NJ)

No medical release to collect on this debt either No information given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 2 months and no information given. No medical release to collect on this debt either. The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a formal complaint against the credit bureaus for their failure to remove late payments from my credit report. I initiated a dispute more than 30 days ago regarding the presence of these late payments on my report, and to my dismay, the credit bureaus have not verified or taken appropriate action to address this issue. This inaction is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically section 611 ( a ) ( 5 ) ( A ) and section 1666b.

The late payments on my credit report are inaccurate and have had a significantly negative impact on my creditworthiness. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that if a consumer disputes the completeness or accuracy of any information on their credit report, the credit bureaus must conduct a reasonable investigation to determine the validity of the disputed information. Additionally, section 1666b of the FCRA mandates that the credit bureaus must promptly remove inaccurate or unverifiable information from a consumer 's credit report.

It is crucial for the credit bureaus to adhere to the Fair Credit Reporting Act ( FCRA ) and conduct a thorough investigation to verify the accuracy of the reported late payments. However, despite the ample time provided, they have failed to fulfill their obligation to verify each late payment. It is the responsibility of the credit bureaus to verify the accuracy of these late payments.

Specifically, Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that if a consumer disputes the completeness or accuracy of any information on their credit report, the credit bureaus must conduct a reasonable investigation to determine the validity of the disputed information. By not verifying these late payments within the specified time frame, the credit bureaus have violated this provision and further harmed my creditworthiness.
Consumer complaint received 2023-07-21
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. (FL)

I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have a complaint to this company. 
The account is closed and still report and interest is inquiring on account the account been closed sine XX/XX/XXXX. the account is still being updated.
Consumer complaint received 2017-09-04
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: COMMUNITY CHOICE FINANCIAL, INC. (KS)

As of XXXX XXXX, XXXX there is a derogatory mark appearing on my XXXX Credit Report from Cash Central/DFS. However, I do not recall ever taking out any lines of credit from Cash Central/DFS. 

Specifically in dispute are the derogatory marks for XXXX and XXXX XXXX. In accordance with laws governing credit transactions in Kansas. Cash Central would have been required to be registered with the Kansas State Banking Commissioner under K.S.A. 16a-6-201. I have checked with the Kansas State Banking Commissioner and they were not licensed with the Kansas State Banking Commissioner until XXXX, meaning any contracts would be void, as they did not have authority to enter into any contracts in Kansas before XXXX XXXX, XXXX. 

Additionally, I allege any such loans are in violation of the Kansas Consumer Protection Act, Truth in Lending Act, the UCC and are void because they fail to meet the requirement of having an original signature as required by Kansas Law. 

Finally, as I do not recall ever entering into an agreement for credit with this company I also never recall giving agreement for my credit to be pulled or to have this company report to my credit bureau, which I contend would have to have an original signature.
Consumer complaint received 2024-03-22
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. (GA)

I submitted a dispute on XXXX after noticing my credit card accounts had not been updated in over 30 days. They were reflecting balances despite them being paid off, and I had the XXXX balance statements. These include XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  All my credit cards have XXXX balances. On XXXX, I received the notification that the dispute investigation had been completed, and my credit score jumped up XXXX points. 

On XXXX, I received a notification that my credit score had dropped XXXX points. Several of the balances reappeared and the updated information from the dispute was gone. I reached out twice and no one could tell me what happened. They told me to open another dispute, but I do not want to be in this same situation a month from now and would like to know the reason why they removed the updates made as a result of my dispute the very next day after they notified me that the dispute was completed. They reverted back to the old incorrect balances without explanation, dropping my credit score by XXXX points, dispute my accounts still have a zero-balance. Please help. Thank you.
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

Hello, I filed a dispute with Equifax because they are STILL incorrectly showing a discharged bankruptcy on my credit report. 
I am NOT disputing I filed the bankruptcy, what I am disputing is WHY is it on my file? The Bankruptcy was filed as a Chapter XXXX in XX/XX/XXXX. In fact, XXXX were filed because I did not understand the process. Both have been discharged and per the credit report limits, should be removed in XXXX years. 
Equifax is REPORTING the Bankruptcy as being filed in XXXX XXXX - an outright lie. In XXXX XXXX, they received a notification to delete the BK file or notice to delete the file. Instead, they flagged my account as if this BK was filed in XX/XX/XXXXi. Even though the BK info clearly shows the date filed, discharged ( XX/XX/XXXX ) and status as a Chapter XXXX. 
I am so tired of having to contact you regarding these credit bureaus. Equifax is negatively and willfully impacting my credit score by having erroneous information, presented as " current '' XXXX shows NO public records and that is correct. Please investigate on my behalf. 
Thank you. 
Disposition Date XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXDisposition Date XXXX/XXXX/XXXX ; Date Verified XXXX/XXXX/XXXX ; Date Reported XXXX/XXXX/XXXX ; Prior Disposition CHXXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MDXXXX : ( XXXX ) XXXX is the address for both filings. As you can see, both are older than XXXX years old and should no longer show on my credit report. Unless you are trying to force my credit score to remain lower. How many years must I pay? 
Thank you
Consumer complaint received 2023-07-22
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)

the following companies are furnishing information on my credit report that I have not given my witten express consent for them to do so which is my right under 15 USC1681b ( a ) 2. 
XXXX, XXXX and TransUnion have also violated my right to privacy according to 15USC 1681 ( a ) 4.

According to 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the XXXX XXXX XXXX XXXX I was never given the opportunity nor told that I had this option, again a violation of my rights. 
XXXX ( a ) - reasonable procedures must be maintained to avoid violations of 1681b and 1681c It must also be noted that the term identity theft as described in 15 U.S. Code 1681a ( q ) ( 3 ) and 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 
The referenced accounts are as follows : XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-02-13
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: EQUIFAX, INC. (PA)

I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX XXXX Dept of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries XXXXXXXX XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-21
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. (AR)

I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it has been more than 30 days, and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. This account and transactions I am disputing was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-05
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. (MI)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2016-06-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCB Credit Serivces, Inc (SD)

I had owed hospital XXXX and paid in full, proof was sent to the debt collector but they are still saying I owe the difference that was sent to them and want an additional approx. {$300.00} in interested/fees
Consumer complaint received 2023-07-21
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)

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 92 days ago on XX/XX/2023. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me XXXX  of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2023-05-22
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. (MS)

I submitted a complaint last XX/XX/2023 the companies responded. Some got deleted but there are still fraudulent items on my credit report that's why I submitted a complaint last XX/XX/2023 and XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-07-21
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. (TX)

I have been disputing unrecognized inquiries into my perfect credit history for a couple of years and have been denied every dispute, without being provided actual proof of the validity of each and every inquiry. They simply verify it with a third-party company and say it has been verified, often within minutes of filing an actual dispute. 

Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  My personal address on file are : XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX My Date of birth is : XX/XX/XXXX Name : XXXX XXXX XXXX Last Four of SSN : XXXX These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my XXXX score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.
Consumer complaint received 2022-02-24
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-03-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NJ)

I made complaints with PNC Bank about my XXXX account that transactions on my account were not being processed at the point of sale and I was not able to manage my finances properly. I received explanations over the phone that were not the same explanations each time I spoke to a different person. I attempted to close the account this month when XXXX transactions were adjusted in my account, which are evidence of my complaints throughout the past 6 months and I also complained PNC was retaliating against me for bringing up my PNC related issues.
Consumer complaint received 2023-07-21
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)

Transunion is reporting inaccurate information on my credit report. 

According to the Fair Credit Report Act, I the consumer have a right to 100 % accuracy of accounts reporting. 

Account in question : Flex on Behalf of XXXX XXXX XXXX  Violation 1 : Inaccurate payment history XXXX XXXX XXXX  there was no amount past due {$0.00} XXXX XXXX : highest balance amount was {$1600.00}. 
XX/XX/2023 : highest balance amount is {$810.00} The payment history is grossly incorrect and the outstanding amount is too. 

Transunion did not verify the accuracy of the information prior to posting this violation to my credit report. 

I have a right to fair and accurate credit reporting under Federal law. 

I am seeking {$1000.00} per violation and to have the account removed from my credit report.
Consumer complaint received 2023-07-21
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. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.