davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
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. (FL)

I am writing to bring to your attention a matter of great concern regarding the recent handling of my credit report as per the Fair Credit Reporting Act ( FCRA ), specifically in relation to the list of accounts outlined below. These actions appear to be in violation of my federally protected consumer rights to privacy and confidentiality as stipulated by 15 USC 1681. 

The accounts in question are as follows : Account Name : XXXX XXXX XXXX  Account Number : # XXXX Account Name : XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX Account XXXX : # XXXX Account Name : XXXX Account Number : # XXXX I initiated a request for reinvestigation of these accounts with XXXX, Transunion, and XXXX , in accordance with the FCRA. However, to my surprise, their response indicated that everything was deemed complete and accurate. This assertion baffles me, as several critical pieces of information, such as the open date, date of last activity, and other essential details, are clearly incorrect. According to 15 USC 1681 ( 5 ), it is incumbent upon them to rectify inaccuracies and discrepancies in accounts. 

My right to privacy, as provided by 15 U.S.C 1681 section 602 A, is paramount in this situation. Moreover, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish any account information without my explicit written instructions. This principle holds significant weight in safeguarding my personal financial data. 

I must also highlight the provision within 15 U.S.C 1681c. ( a ) ( 5 ), which explicitly prohibits the inclusion of certain items of information in consumer reports, particularly adverse items that predate the report by more than seven years. This section is a crucial component of maintaining the accuracy and fairness of credit reporting. 

Furthermore, the obligation outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no entity should provide information to a consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate. These provisions are designed to ensure the integrity of credit reporting, and their adherence is essential. 

It has come to my attention that the entities involved are not even in compliance with Metro 2 credit reporting standards, and I possess substantial evidence to substantiate my claims. Therefore, I kindly request a thorough review of this matter in line with the FCRA, and I anticipate a prompt resolution to rectify these violations. 

Please acknowledge the receipt of this formal complaint at your earliest convenience, and provide a clear timeline for the investigation and resolution of this matter. I appreciate your attention to this serious issue and trust that a fair and just outcome will be reached.
Consumer complaint received 2023-08-13
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. (IL)

Each of the three credit reporting bureaus are allowing written off accounts to be reported as delinquent each month when it is my understanding that as these accounts have been written off, the creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden, as such I do not think this is acceptable practice to allow negative monthly reporting on my consumer credit reports. I have made attempts to contact creditors who were unwilling to disclose account details and/or unable to arrange for payment on the debts, referring me to their legal counsel.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

ON XXXX XX/XX/year> I deposited a check for {$500.00} to my U.S. BANK ACCOUNT USING THE CAMERA DEPOSIT. THEY SENT ME A LETTER STATING THEY WOULD HOLD THE DEPOSIT LONGER THAN USUAL BECAUSE THEY HAD SECRET INFORMATION THAT MY CHECK WOULD BOUNCE AND WOULD NOT BE PAID. SECRET INFORMATION? I FEEL MY XXXX RACE WAS A FACTOR AND THEY WERE CALLING ME A " THIEF ''. I'M NOT A THIEF. I HAVE A CLEAN RECORD AS I PAY ALL MY BILLS TO U.S. BANK IN XXXX  XXXX CALIFORNIA WHENEVER I GO INTO THE RED. I ALSO SERVED OVER XXXX YEARS IN THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM NO THIEF.
Consumer complaint received 2023-08-13
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-13
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. (FL)

I was recently reviewing my credit report and noticed multiple fraudulent accounts inquiries and inaccuracies. these are the inquires below XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Below are fraudulent collection and charge off accounts XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX
Consumer complaint received 2023-01-23
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. (OH)

FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-13
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. (FL)

I am writing to bring to your attention a matter of great concern regarding the recent handling of my credit report as per the Fair Credit Reporting Act ( FCRA ), specifically in relation to the list of accounts outlined below. These actions appear to be in violation of my federally protected consumer rights to privacy and confidentiality as stipulated by 15 USC 1681. 

The accounts in question are as follows : Account Name : XXXX XXXX XXXX  Account Number : # XXXX Account Name : XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX Account Number : # XXXX I initiated a request for reinvestigation of these accounts with Experian, XXXX, and XXXX , in accordance with the FCRA. However, to my surprise, their response indicated that everything was deemed complete and accurate. This assertion baffles me, as several critical pieces of information, such as the open date, date of last activity, and other essential details, are clearly incorrect. According to 15 USC 1681 ( 5 ), it is incumbent upon them to rectify inaccuracies and discrepancies in accounts. 

My right to privacy, as provided by 15 U.S.C 1681 section 602 A, is paramount in this situation. Moreover, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish any account information without my explicit written instructions. This principle holds significant weight in safeguarding my personal financial data. 

I must also highlight the provision within 15 U.S.C 1681c. ( a ) ( 5 ), which explicitly prohibits the inclusion of certain items of information in consumer reports, particularly adverse items that predate the report by more than seven years. This section is a crucial component of maintaining the accuracy and fairness of credit reporting. 

Furthermore, the obligation outlined in 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no entity should provide information to a consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate. These provisions are designed to ensure the integrity of credit reporting, and their adherence is essential. 

It has come to my attention that the entities involved are not even in compliance with Metro 2 credit reporting standards, and I possess substantial evidence to substantiate my claims. Therefore, I kindly request a thorough review of this matter in line with the FCRA, and I anticipate a prompt resolution to rectify these violations. 

Please acknowledge the receipt of this formal complaint at your earliest convenience, and provide a clear timeline for the investigation and resolution of this matter. I appreciate your attention to this serious issue and trust that a fair and just outcome will be reached.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (TX)

I am out of town working in XXXX i checked my report becuase i want to buy a house soon and work on my credit i noticed several things i did not authorize and was not me. There is a collection account from Midland Credit Management that is not me. There is also 72 Inquires for vehicle loans none of wich was me and some as recent as 2 weeks ago .... I am out of town working and have not applied for anything especially this year.
Consumer complaint received 2023-08-13
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)

I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address ( Insert address ). 
My name should also read XXXX XXXX, my current phone number XXXX. 
Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

XXXX XXXX XXXX, IL XXXX-non mailable address XXXX XXXX XXXX, IL XXXX-non mailable address XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX, IL XXXXnon mailable address
Consumer complaint received 2024-10-10
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (LA)

I was at XXXX ( XXXX, La ) they use a XXXX party company for mobile phone activation. I inquire about a purchase of phone with acct. At & t requires them to activate phone before you pay for it. So when he told me it was {$240.00} to pay on that day I said no I don't want it. He was suppose to go in and cancel service but didn't. I NEVER LEFT WITH THE PHONE AND XXXX HAS SENT THIS PROOF TO AT & T NUMEROUS TIMES BUT THEY keep selling my debt to collections.im at my wits end so what do I do?
Consumer complaint received 2021-03-08
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: Prosper Marketplace, Inc. (FL)

On XX/XX/XXXX I inquired about a debt consolidation loan. The company PROSPER hit my credit report twice, I told them their website says no credit hit to inquire. I spoke to them again on XX/XX/XXXX & XX/XX/XXXX and asked them to take it off they said no I agreed to loan which is a lie, I have photos of their site saying no credit hit to see what your eligible for. 

This company is a bate and switch I just want those 2 hits off my report.
Consumer complaint received 2023-05-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ZIONS BANCORPORATION (AZ)

Attached is a document showing the lean on my car. I paid off in XXXX. Also attached is a report ( s ) of fraud. According to XXXX at XXXX, XXXX applications is not a legit number. It contacted the bank and State of Az and they do nothing.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A couple of months ago. I send a letter to equifax about an account that doesnt belong to as I have been a victim of identity theft. I notified originally that XX/XX/2020 that they agency was reporting an account without an original credit listed. They in return sent me a letter saying that I had to send my id or personal info to help them not only find me in their system, but also to verify it was me. So I sent another letter to the agency with my identification AGAIN. Per 623 this must be specified in order for account to be addressed the company verified the debt belonged to me?! YET, no information is reporting for the creditor per the copy of my report Ive attached. Im ask for assistance with this issue. Ive attached certified receipts along with copy of report that shows the original creditor not reporting. Along with current report
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Request to Update Personal Information I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 

3. Date of Birth : The date on my credit report, XXXX, is no right. I request that my real birth is XXXX be updated completely. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social security Number Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.
Consumer complaint received 2024-10-18
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVEany 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. 
XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. 

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. 

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. 

Creditor has failed to comply with 15 U.S. Code 1681 is part of the Fair Credit Reporting Act ( FCRA ) to the reporting agencies. Failure to provide fair and accurate credit reporting to the efficiency of the banking system and public confidence. The FCRA aims to ensure that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce while being fair and equitable to consumers, particularly regarding the confidentiality, accuracy, relevancy, and proper use of consumer information. 


DEPT OF EDXXXX : XXXX The balance reported is incorrect
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian Credir Bureau is reporting XXXX incorrect addresses on my credit report they are a follows : XXXX XXXX  XXXX XXXX XXXX, TX XXXX second address : XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX is holding {$4100.00} XXXX Dollars on case number XXXX. The merchant is XXXX XXXX merchant number XXXX. I made the payment using Bank of America Visa credit card on XX/XX/2023. I have opened a dispute with BOA claim ID is XXXX on XX/XX/2023. USD amount is {$3000.00}. The payment is for the rental of a condominium in XXXX XXXX. XXXX arbitrarily decided to cancel and close the merchant account without reason and demanded and received back their credit card machine. They have refused to pass the payment to the merchant, and have told the merchant they were going to hold all funds in the account for 6 months. They instructed merchant to tell me to request a refund from my CC, which I did. I have contacted BOA 4 additional times and they have not issued a credit and are taking no action to resolve the dispute. They have indicated we will need to wait 90 days to see if the merchant will not dispute the charge back. The merchant has already contacted XXXX and sent them written instructions that they will not dispute the charge back, and requested they refund the money to BOA, but they have taken no action. REQUESTED ACTION : XXXX needs to refund the credit to BOA so I can pay for the rental and access it on XX/XX/XXXX.
Consumer complaint received 2021-08-28
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: WELLS FARGO & COMPANY (OK)

I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached Affidavit of Fact which is Pursuant to 15 U.S.

Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which are in violation as I never gave you my information directly.
Consumer complaint received 2023-09-05
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. (CA)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.