davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states for TransUnion account status as derogatory, XXXX  account status as Closed, XXXX  account status as derogatory, so 2 credit agencies are reporting as derogatory, but XXXX  reporting as closed, which means not derogatory. As a creditor, you can not report different information between credit agencies, which is a violation, so delete this account immediately. Secondly, TransUnion reporting a high credit of XXXX, XXXX  reporting a high credit of XXXX, and XXXX  reporting a high credit of XXXX, you can not report different credit limits between agencies, so delete this account per violation. Third, TransUnion reporting payment status as collection/ charge off & comments as transferred to another lender, XXXX  reporting payment status as late 120 days and Comments as purchased by XXXX XXXX XXXX XXXX , and XXXX   payment status as collection/ charge off and comments as consumer disputes. You are reporting different payment status, and comments between the credit agencies, which make this information invalid, and you are reporting this debt as it is due to you, but you stated it was sold. This is clearly a violation, delete this account immediately per violation. 

You can not report an account that you have no legal right to collect because, You do not have a verbal or original written contact with my bearing my signature on it, stating you have the right to collect. In addition, you are reporting the debt as sold. I have enclosed a snapshot of my credit report showing the reporting/ proof. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with bearing my signature and please do not reply with a copy of an copies of credit card statements, or information from third party collection agency, as this do not validate the right to collect and will not hold up in court.
Consumer complaint received 2023-11-29
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. (AL)

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2020-03-01
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. (TX)

XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof. 

Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect. 

Per XXXX  reporting and Experian, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting. 

Delete this account from my credit report immediately, or I will seek legal action. 

Do not send me copies of credit card statements, as this do not validate the right to collect
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I requested a free credit report from TransUnion on XX/XX/year>. I got the credit report, but it did not include my credit score. I talked with a representative from the company, and she informed me that their policy is to no provide credit scores for free. I'd have to pay for a credit report that includes my credit score. 

TransUnion collects my information without my consent, determines scores that impact my ability to live my life ( get a job, get an apartment, get a loan, etc ), and they make me pay to even see what they report to other entities about me. This is plainly unethical and an abuse of power, if not illegal. TransUnion also stands out in this respect compared to it's peers. Although all three agencies monetize the data they collect without concent, the other XXXX major credit reporting companies do provide this information for free. 

I should be able to see what TransUnion is reporting about me based on my data that they collected without my consent, and I shouldn't have to pay them to see it.
Consumer complaint received 2021-11-22
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: Experian Information Solutions Inc. (MS)

I have been disputing with all XXXX major credit bureaus an account that appeared on my credit reports and that it was not mine. 

I contacted first progress. They reported they were not reporting this. I then contacted XXXX, Experian, and XXXX that this was not my account. 

They claimed an investigation was done and that it was reporting right. I then reached out to XXXX XXXX and wanted this in writing this time. I submitted a certified letter to XXXX XXXX and received a response. 

I have included the letter and wish to have this removed immediately from all XXXX bureaus or my next step is going to be taking each of the XXXX credit bureaus to court under the Mississippi XXXX XXXX XXXX Laws. 

I will include the XXXX XXXX XXXX
Consumer complaint received 2023-11-29
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. (TN)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2023-02-04
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. (MI)

I acquired my credit report and asked the credit bureau TransUnion to investigate my credit report for inaccuracies and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ).

I received the investigation results as verified and it is not possible due to the multiple errors. TransUnion did not do a complete investigation to verify the information as accurate. 

I am entitled to an accurate credit report. How is it possible that the listed accounts were validated, accurate and investigated if the reported information is wrong and a violation which is cause to be deleted from my credit report. 

I have enclosed documentation proving multiple violations. All information regarding the all of the closed XXXX XXXX XXXX accounts, closed XXXX XXXX XXXX, closed Indigo accounts which are inaccurate on my TransUnion credit profile which is a violation of the Far Credit Reporting Laws. A previous credit report and updated credit report is enclosed. 
These violations are holding me back from getting funding for my business, its hurting my car loan rates and payments. TransUnion is violating my rights by not doing a complete investigation. 

15. U.S.C 1681 section 602 A. States I have the right to privacy.

15. U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a business banking account with BOFA. They closed my account on XXXX XXXX. On XXXX XXXX my merchant provider deposited money in my account from my clients closed to XXXX. I asked the bank why are my deposits on hold. The first representative said she doesnt to check back in 24hrs. I checked the next morning and I saw that the rest of my deposit will be made available XX/XX/XXXX this was around XXXX my account. I checked around XXXX and I couldnt login to my account. I called the rep. said they would send me to the account closure. I said account closure why is my account being closed. So I asked the account closure rep why is my account being closed. She said the bank can close your account at any time we dont have to give a reason why. I said can I provide invoices for the verifiable transactions. I said you all didnt send even an email stating my account is closing. I said what is going to happen to my account. My merchant processor, vendor payment and personal payment was supposed to be sent today. Mind you my merchant processor sent out a payment today and BOFA allowed the deposit but I cant have access to it. So how is my account closed but still accepting deposits. The supervisor said well we can still accept deposits you just wont get them. I need this to be rectified even if i can just receive a check of my funds owned to me.
Consumer complaint received 2023-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (TN)

I have told flagship credit acceptance on multiple occasions to not contact me after XXXX XXXX. If I go one day past the due date even though Ive been given a 10 day grace period. I get 7 to 10 calls a day every day until I pay in full. I had some hardships that have set me back and one lady in particular named XXXX I was trying to explain how I was jobless and was just in a car accident and was trying to get back right and she continued to bully me. Nonstop ask your friends for money ask coworkers ask family. Ask the other person on your loan. I had to hang up. They are now harassing me and have been. I can take pictures of my call logs and the amount of times they call me is absolutely ridiculous and outstanding. I want something to be done. I have warned and now I want to sue them for harassment. Honestly dont think the world would like to know how they do business with veterans as well as children of fallen soldiers. XXXX XXXX XXXX XXXX XXXX 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 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

I havent applied for a credit card and I have gotten an email stating I applied for one and I wanted to report this as fraud due to my credit score decreasing for a card I have not applied for.
Consumer complaint received 2023-02-04
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. (CO)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I contacted this company to have them removed all of the incorrect and damaging information from my credit report and they responded by removing some and asked me to provide them with my current address as well as other personal information I do not feel comfortable disclosing.
Consumer complaint received 2023-11-29
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. (NJ)

In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX XXXX, has violated my rights. Under15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instruction. In addition, I was not given the option to optout under 15 USC 6802 B. Also, under 15 USC 1681a ( 2 ) ( a ) ( 1 ) late payments should not be reported as negative information.
Consumer complaint received 2022-09-15
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)

FCRA VIOLATIONS NOT MINE XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2500.00} written off. 
XXXX XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00} Status Account charged off. {$420.00} written off. {$420.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6400.00} Status Account charged off. {$6400.00} written off. {$6400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$13000.00} XXXX Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$850.00} Status Collection account. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2800.00} Status Collection account. {$2800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$380.00} Status Collection account. {$380.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$470.00} XXXX XXXX account. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3300.00} XXXX XXXX account. {$3300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$310.00} XXXX XXXX account. $ WAS NEVER LATE XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$40000.00} Highest balance {$0.00} Terms 60 Months NEVER LIVED HERE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident XXXX XXXX complex XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX  XXXX Resident XXXX Multifamily XXXX XXXX XXXX XXXX, XXXX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family NOT MY NAME XXXX XXXX
Consumer complaint received 2023-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. 

- XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. 
XXXX XXXX XXXX was opened on XX/XX/XXXX. 
XXXX XXXXXXXX XXXX for {$610.00} date opened is unknown. 
XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX -Jefferson Capital System of {$1400.00} date opened unknown.

I did not open these accounts.
Consumer complaint received 2021-08-31
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Komyatte & Casbon, P.C. (IN)

Currently there is a two open collection medical accounts reporting on my credit report with XXXX XXXX. I have requested the accounts be deleted from my credit report. For this is against my rights and privacy with the HIPA laws.
Consumer complaint received 2022-09-14
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. (NJ)

I have RECENTLY sent a notice for debt VALIDATION ON XX/XX/2022 not a letter for verification to XXXX to validate the alleged debt. I was sent back a letter of Verification stating that the deb was verified. in that letter in which I will attach to this complaint again I requested. 

The Following information is required. Please fill out the form below in its entirety.

1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : XXXX  & More which is attached in its entirety. 

I Stated You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. 

I did not receive all information requested in my validation of debt letter. so I DEMAND these 2 accounts be removed IMMEDIATELY from my consumer report violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character. 


XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX