davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-06-03
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: EQUIFAX, INC. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX  XXXX Balance : {$300000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$300000.00}
Consumer complaint received 2024-03-25
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. (LA)

Subject : Notice of Unauthorized Credit Reporting and Demand for Compliance Louisiana FCRA and Identity Theft Fraud Laws Dear XXXX XXXX XXXX, I am writing to address a concerning issue regarding the unauthorized reporting of information to my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with Louisiana identity theft fraud laws, specifically Louisiana Revised Statutes Title 14, Section 67.16.

It has come to my attention that XXXX XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, unequivocally mandates consumer consent as a prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, Louisiana state law, particularly Louisiana Revised Statutes Title 14, Section 67.16, underscores the severity of unauthorized access and misuse of personal information, emphasizing the protection of consumers from identity theft and fraud.

I assert with absolute certainty that I have not provided consent for XXXX XXXX XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws. 

I demand, with utmost seriousness, that XXXX XXXX XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Louisiana identity theft fraud laws. Failure to comply within the stipulated XXXX timeframe will be regarded as deliberate noncompliance, subject to penalties under applicable laws, including Louisiana identity theft fraud statutes.

Obtaining consent is not discretionary but a legal obligation under the FCRA, Louisiana state law, and identity theft fraud laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting.

I expect your immediate attention to this matter and prompt rectification of these violations, respecting my rights under federal and state laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-30
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. (MD)

TransUnion, XXXX and XXXX have all effected my personal life by erroneously reporting information on my credit report without my written consent. As a result I have not be able to get approved for mortgage or car loans.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

I Have deposited a check of {$30000.00} into my account on XXXX XXXX it took 7 days to verify. they was able to verify it by calling the sender of the check who is a person I have been knowing his name is XXXX XXXX. he seen my struggle in life and decided to help me fund a new business of XXXX 

I used the ATM and XXXX to send funds to another person to get some equipment. reason why it is because we had a four day holiday BANKS were close and I needed to have some fund available, about {$10000.00} TODAY XX/XX/XXXX I tried to use my card and it would not let me, I tried to login in my account and I could not. SO I called pnc and asked for help instead they put my funds on hold and request me to wait XXXX days for them to review funds. funds that they was previously able to verify I and the person who wrote the check are willing to go in into the branch to see What is going on
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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
Consumer complaint received 2020-01-02
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.
Consumer complaint received 2023-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX will not investigate my account under FCRA. The account is incomplete due to they can not provide Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance They replied with a billing and with no longer will reply. I demand you guys to fully to investigate this item. This Company illegally supplying information and not acting accordingly to the FCRA Act about furnishers duties. Please help me make them cooperate fully before I escalate. How could a collection be terms for 1 month?
Consumer complaint received 2023-05-30
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)

Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. After sending complaints here in CFPB these negative items are still reporting and my complaints have never been resolved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2019-12-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (GA)

I sent a request for a validation of the debt and I have not received any response. 
The only reason that I knew of this debt was by looking at my credit report because I have not received any notice. I have also disputed the item on my credit report, but Evergreen Professional never responded to request sent USPS XXXX.
Consumer complaint received 2024-03-25
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. (GA)

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 : DEPTEDXXXX XXXX  XXXX, DEPTEDXXXX XXXX XXXXXXXX, US DEPT ED - XXXX, US DEPT ED XXXX XXXX
Consumer complaint received 2024-03-25
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. (TN)

I have not received disclosures of opting out of reporting to the agencies and it is negative impacting my opportunities. I requested to opt out a over a month ago and the transactional history with XXXX XXXX is still reporting to the agencies. They indicated they are not affiliated with them and they have been reporting my nonpublic personal information to a third party.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2024-03-25
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This account is shown inaccurately on my credit reports In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (LA)

XXXX at tower loan in XXXX la, is constantly calling my phone and job phone more than once a day. I was threatened today XX/XX/19 at XXXX XXXX with a lawsuit by he and supervisor XXXX.
Consumer complaint received 2017-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc. (FL)

I am XXXX XXXX XXXX and do not have any debts. My cell phone number is XXXX, which I have had for 10 years. I get lots of calls from XXXX asking to speak to XXXX and saying my cell phone number is hers. On XXXX XXXX, 2017, I told them I was not XXXX, but they keep calling. They have called at least 7 more times. I am very busy at school and do not appreciate these harassing calls.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

to whom may concern, i am unaware of any awares of these so called charges.i am just becoming aware of this charges to my credit account. i dont know who placed it on my account but, i will like it removed.
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I sent a Goodwill letter to the CEO of Capital One asking for a late payment on XX/XX/XXXX to be forgiven. In this email I did explain my family had been impact by Hurricane Harvey and I had been traveling back and forth. I was so focused on my family at the time that my payment had slipped my mine. I was no more then 30days late. I was also having problems at the time with the app and being reminded through the app about my payment due date. I spoke with XXXX on XX/XX/XXXX and she advised me they had received my email and wanted to see what had happened at the time my payment was missed. I explained to her my story and she told me she would get back with me. On XX/XX/XXXXI spoke with XXXX again and she told me there was nothing Capital One could do to change how my XX/XX/XXXX payment was reporting to the Credit Breaus. I asked XXXX to relook into their decision. I also sent a Goodwill letter certified on XX/XX/XXXX.  I have been a valued customer of Capital One and this is my 1st missed payment. I also advised on the email that I am in the process of trying to get a mortgage and this one late  payment on my credit is affect me getting a mortgage.
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Klarna AB (SC)

I contacted klarna and was advised by the representative to close this said account because of the issues they were unable to resolve by linking my bank and I followed all the steps and was told that it would be closed and the account has still not been closed and I have yet to receive proper validation of that account being closed. I have reached out to them and they continue to say the same thing about this account and nothing is being done.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being
Consumer complaint received 2023-06-02
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in direct violation of the fair credit reporting act ( account name and number ) 15U.S.C 1681 section 602 A clearly states I have the right to privacy 15 U.S.C 1681 section A also states that a consumer reporting agency can not furnish an account without written instructions 15 U.S.C 1681 Section A a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of serval laws under The fair credit reporting act
Consumer complaint received 2023-06-02
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. (CA)

XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-21
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. (MI)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/2024 A payment was made in the amount of {$1000.00} via debit transaction in the retail XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The payment was inclusive of a past due amount {$190.00} plus current month {$190.00} along with {$610.00} in principle payment. The past due amount was due on XX/XX/2024 along with the XXXX payment. On XX/XX/2024 I received credit notification of a 30 day late and improper balance report as well. I am requesting the 30 day late status and balance adjustment in an expeditious manner. Attached you will find a copy of the store receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to XXXX me online access to my statements to review due dates, statements, or make online payments. I have called several times to seek resolution and no resolution has been offered. The representatives will terminate the call and send you back through the automated prompts repeatedly or hang up to avoid the situation.
Consumer complaint received 2023-05-30
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. (IL)

After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.