davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Vehicle was totaled in XXXX of XXXX. The insurance company ( XXXX ) and XXXX paid in XXXX XXXX see attachments. 

ALLY shows payment received in XXXX and XXXX resulting in a Charge-off. Where did XXXX, get those payments from? 

Who made those payments on XXXX  accounting statements? 

XXXX shows the check was cashed in XX/XX/XXXX!
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account unknown to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-02-28
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. (CA)

Dear Sir/Madam, I am writing to file a formal complaint regarding the payment history associated with my commercial relationship with XXXX XXXX XXXX . The accounts in question are : XXXX, XXXX, and XXXX. I previously disputed this information in XX/XX/XXXX, however, the issue remains unresolved. 

My complaint pertains to the late payments reported on these accounts. In response to my dispute, XXXX provided ledgers and payment histories for each account. However, I wish to clarify that my initial request was not for validation, but for the prompt removal of late payments as mandated by 15 U.S. Code 1666b.

Under this statute, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that periodic statements, including payment due dates, are provided to the consumer no later than XXXX  days before the due date. Given that these accounts are open-ended credit plans, any late payments reported should adhere to this requirement. 

Moreover, I believe that XXXXXXXX XXXX actions violate my right to privacy as outlined in the Privacy Act of 1974, 5 U.S.C. 552a. Specifically, disclosure of my financial records to consumer reporting agencies without my prior written consent is prohibited, except under certain circumstances which do not apply in this case. Additionally, XXXX failed to inform me of my right to exercise nondisclosure options as required by 15 U.S.C. 6802 ( b ) ( c ).

Furthermore, I assert that XXXXXXXX XXXX  reporting of adverse information, such as late payments, without my authorization violates 15 U.S.C. 1681C ( a ) ( 5 ), which prohibits the inclusion of certain adverse information in consumer reports without consent, particularly information that exceeds XXXX years. 

In light of these violations, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX. I also request that the late payments be promptly removed from my credit reports and that XXXX be held accountable for their failure to comply with federal regulations regarding privacy and credit reporting. 

Thank you for your attention to this matter.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

there has been fraudulent charges on my card and I have notified them numerous times and they did not handle the matter. I continued paying and still have paid but they have my balance incorrect and have not removed the charges. they notified last week of fraudulent activity onmy account themselves and I called them back and confirmed that it was not a charge made by me. they advised they would close the account and send me a new card with a new account number, my husband has only received a new card and myself the main account holder has not received the new card. the balance they now transferred to the new card and it should reflect a XXXX  balance with a new account and card and that has not been done after numerous reach out attempts to them
Consumer complaint received 2022-06-10
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-04-18
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 was promised numerous times by representives from XXXX XXXX that they would remove XXXX XXXX from my credit reports because I never received or ordered any items from XXXX XXXX. I have been promised XXXX XXXX would remove this since XXXX and it is yet to be removed
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC (FL)

As per your response to my complaint date on XXXX,, you responded back on XXXX you stated there were no violations that took place, based on the attached invoice attached and demand for payment. You also claim the is no validity to my claims, please see all 14 violations found on your notice that you mailed to me. PLEASE SEE ATTACHED COLLECTIONS LETTER FROM YOUR COMPANY.

15 USC 1692 ( B ) ( 4 ) not communicate by post card ; 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692. ( C ) ( A ). Without prior consent a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Affiant never lived in this state. 


15 USC 1692 ( D ) ( 2 ). The use of obscene or profane language or language that natural consequences of which is to abuse the hearer or reader.

15 USC 1692 G ( A ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing, the amount of the debt, the name of the creditor to whom the debt is owed.

15 USC 1692 ( E ) ( 1 ). A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that the debt collector is vouched for, bonded by 15 USC 1692 ( F ) ( 8 ) ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

Based on this law I can collect these damages 15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} per violation.
Consumer complaint received 2022-06-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I am disputing a collection account that does not belong to me. 

The collection account appears on my credit report from all three credit bureau 's. The account in question is from a collection agency named National Credit Adjusters. The amount this company claims I owe them is {$780.00}. 

I have made contact with National Credit Adjusters and all three credit bureau 's to request proof of validation. 

My first request was made XX/XX/XXXX. As of today, XX/XX/XXXX, neither the collection company or any three of the credit bureau 's has validated this account. They have failed to provide proof that this account belongs to me. 

After multiple requests, I would like to request assistance from XXXX and possibly take legal action.
Consumer complaint received 2021-11-19
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: EQUIFAX, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Block and delete the fraudulent accounts listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still presenting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed account which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct and update the account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Acct # XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I was very happy with the service. I was however not the ideal customer and made mistakes with my handling of the account. I should have done better with keeping my account in good standard, I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/XXXX. 

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

In the first seventeen months, my monthly payments never delinquent more than 30 days. However, after my husband was diagnosed with XXXX and was unable to work our family suffered financial hardships and my bills became overdue. This caused my account to be delinquent from XXXX XX/XX/XXXX. 

As soon as my financial situation became better, I worked very hard to get my account up to date. Per my credit report, I have not gone pass 30 days of being delinquent on this account. In addition, I am also working very hard to pay off all late fees. 

I provide this not to justify why the account was unpaid, but rather to show that the issue with ( XXXX XXXX ) is not a good indicator of my actual credit worthiness. I hope that ( XXXX XXXX ) is willing to work with me on erasing this mark from my credit reports. 

I would like to stress the fact the information currently being reported is accurate. I am simply asking ( XXXX XXXX ) for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping you will do that in my case for this account. 

Your kind consideration in this matter is greatly appreciated. 
Regards, Your Signature XXXX XXXX
Consumer complaint received 2024-02-28
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. (FL)

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 account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, I reported to Chase Amazon Credit Card member service, then filed a complaint to XXXX Police Department, filed a consumer complaint with the Texas Attorney General 's Office of Consumer Protection, and notified FTC that someone has stolen my credit card information and placed unauthorized charges on my CHASE, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
I have sent to XXXX XXXX XXXX XXXX XXXX XXXX, AND CHASE all collected evidence that proves I was a victim of identity theft. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AND CHASE have launched an investigation into my identity theft incident. XXXX, XXXX XXXX, and XXXX  XXXX XXXX have found that I was a victim of identity theft. Therefore, I am not liable for the unauthorized charges. 
However, CHASE AMAZON force me to make payment for XXXX Furthermore, CHASE is not able to send me any copy transaction invoice of unauthorized purchase tracking. Except, for the XXXX invoice saying the item was delivered to my address and was signed for. This is untrue because I did not receive or signed for any item from this unauthorized purchase. XXXX  can not provide a copy of the signature for this unauthorized item. Amazon has deliberately erased all of my purchased histories to support that the unauthorized charges were made from whom, email notification to whom, and tracking information to whom. Since Amazon erased all of my purchased histories there are no traces for me to see the unauthorized item was sent to whom to what email for notification tracking. 
There is no denying that CHASE and XXXX  have not been able to prove and send me a details copy of the unauthorized purchase of order containing the start of order notification invoice, shipping order notification invoice, expected delivery date notification invoice, tracking, and delivery. All genuine and authorized orders are always received notification in the email for tracking purposes from XXXX or Amazon. There are no notification traces from my email, or text messaging from Amazon purchase histories of this unauthorized purchase because someone clearly has stolen my credit card information and committed the crime using my identity. This strongly proves that I was a victim of identity theft and the unauthorized charges must be dissolved.
Consumer complaint received 2018-12-12
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: Experian Information Solutions Inc. (AL)

XXXX Account Number XXXX. This is not my account as I have never had an account with XXXX and I have informed all parties reporting this.
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted several disputes to the XXXX credit reporting agencies XXXX, Transunion, and XXXX over the past few months to remove several inaccurate accounts on my credit report, along with personal information that doesn't belong to me and some unauthorized inquiries. I noticed there were several laws that were not abided by with the credit reporting agencies and I have listed them below. 
According to XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX ) the information is, in fact, inaccurate. 
They were fully aware of the inaccurate information which I will provide screenshots down below Another violation I wanted to point out is it is their duty to report the maximum possible accuracy according to XXXX XXXX Code XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2024, I wrote to you, seeking an investigation into material that I felt to be fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Consumer complaint received 2022-06-13
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)

XXXX  XXXX Account # XXXX XXXX XXXX Account is showing a late payment for XXXX 2017. I WAS NEVER LATE ON ANY PAYMENTS.