davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear XXXX, I hope this letter finds you well. I am writing to express my deep concern and frustration regarding an unresolved issue on my credit report. There is an invalid inquiry from XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit report. I believe this inquiry has been reported inaccurately and is adversely affecting my credit score. 

As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXX. 

I hereby request that XXXX conducts a thorough and immediate investigation into the invalid XXXX XXXX inquiry on my credit report. I have attached supporting documentation that clearly proves the invalidity of this inquiry and warrants its removal from my credit profile. 

According to the FCRA guidelines, I understand that XXXX is obligated to complete this investigation within 30 business days from the date of my initial dispute. I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. 

In the event that XXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. 

I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXX to take this matter seriously and treat it with the urgency and attention it deserves. 

I would appreciate a written acknowledgment of this complaint and a confirmation of the initiation of the investigation within 5 business days of receiving this letter. Please provide me with regular updates on the progress of the investigation until a resolution is reached. 

Thank you for your immediate attention to this matter. I expect that XXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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. 

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 XXXXXXXX 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.
Consumer complaint received 2022-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tally Technologies (MD)

A month ago I got my first house. and during the credit review process, it appears that I owe a line of credit debt to a company called Tally technology. which I do not know has requested a line of credit with them! I have tried to communicate with them but it has not been possible! I have not received charges by any means either. In XXXX XXXX all my debts appear to me. So I think this company is doing things without the consumer 's permission.
Consumer complaint received 2023-02-27
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. (IN)

On ( XX/XX/2022 ) 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.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IA)

XX/XX/XXXX for {$1100.00} and they said I can not provide. They told me the account was opened XX/XX/XXXX and sent to collections XX/XX/XXXX. I asked when was payment made they said the information could not be provided.
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

This is a loan that is fraudulent and I should not have to pay it. My school ( XXXX XXXX XXXX XXXX XXXX ) was deemed fraudulent and my federal loans have been forgiven via lawsuit XXXX v XXXX yet Im still being charged by navient for the private part of said loans.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Total Card, Inc. (MD)

TOTAL CARD INC XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ TOTAL CARD INC ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ TOTAL CARD INC ] for violating my rights as a consumer.

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weinberg Mediation Group LLC (UT)

Have called me several times over the course of several months ... they have stated that a claim has been filed against my social security number. Calling me at work and on my cell phone and they state every time they will not be able to help me if either myself or lawyer do not contact them ... I did and they were very rude on the phone
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 2023-03-07
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX The company above along with Experian, XXXX, & XXXX has not validated this debt, Experian has not provided methods of validation and the debt collection has not provided original contract with XXXX XXXX with my wet signature. 


I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself, XXXX XXXX and they have failed to verify that this is indeed my debt. 
I was given no evidence of my obligation to pay this debt to this collection agency.. 
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 
In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : XXXX | XXXX : XX/XX/1987 I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late or XXXX reporting for months after account closure by the creditor. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. No to mention this debt was never validated when requested from the creditor and the Experian and XXXX have failed to do a property investigation ... .. confirming the dates of closure and continually reporting negative and inaccurate information. 

The below account is in violation of FCRA section 623- Which states CRA can report delinquent until closure, post closure/ discharge, CRA can not continue to report negative information months after months. 

XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX See credit report attached for information being disputed.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

back on XX/XX/XXXX i sent a letter to the credit company transunion and still have yet to get a response regarding my dispute and was completely ignored by the company.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-04
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. (NY)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX I hope this letter finds you in good health. I am writing to you as a matter of urgency to address the outstanding debt owed to me by Capital One Bank ( hereinafter referred to as " the Bank '' ). 
On XX/XX/2023, the Bank abruptly closed my account which I had maintained for four years without any prior notice or valid reason. Subsequently, I have been relentlessly seeking the release of my funds, which amount to a total of {$55000.00}. These funds represent my life savings, accumulated through countless hours of hard work and dedication. 
The closure of my account has caused significant distress and inconvenience in both my personal and financial affairs. I am currently unable to access my funds to pay for essential expenses such as medical bills, house bills, and credit card bills. This situation has put me in a compromised position, as I have been unable to seek necessary XXXX XXXX, including a XXXX that I urgently required during my XXXX. The Bank 's actions have caused immense emotional and physical harm to me and have hampered my ability to lead a normal and healthy life. 
Despite numerous reminders and attempts to rectify this matter, the Bank has persistently failed to release my funds or provide a valid explanation for their actions. It is disheartening to note that the Bank does not have any physical branches to visit for resolution and has continuously evaded its responsibility towards its customers. 
In light of the aforementioned circumstances, I hereby demand the immediate release of my funds totaling {$55000.00}. Furthermore, I request an additional {$45000.00} as compensation for the undue hardship, emotional distress, and inconvenience caused by the Bank 's actions. I expect full repayment of the total amount owed, {$100000.00}, within a period of 14 days from the date of receipt of this letter. 
Please be advised that if payment is not received within the stipulated timeframe, I will have no choice but to pursue legal action against the Bank to seek redress and ensure that justice is served. I believe that it is crucial to hold the Bank accountable for its unethical and detrimental conduct towards its customers. 
I trust that you understand the severity of this matter and acknowledge the urgency with which I am pursuing resolution. I kindly request your immediate attention and cooperation in resolving this issue in an amicable and timely manner to avoid any further legal proceedings. 
Thank you for your prompt attention to this matter. I look forward to receiving full payment within the specific timeframe.
Consumer complaint received 2021-12-17
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. (MD)

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. Ive attached all the inquires I the Identity Theft Report Affidavit attached to this complaint. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation.
Consumer complaint received 2023-02-03
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. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$65.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Owed : {$440.00} XXXX XXXX  XXXX Balance Owed : {$29000.00} 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
Consumer complaint received 2023-07-04
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. (IL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX