davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated.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

Please find below the specific details of the incorrect or outdated information : 1.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

2. Address : My current residential address is XXXX XXXX  XXXX  XXXX NY XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX NY, XXXX and XXXX XXXX XXXX XXXX XXXX , NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX . I request that my current address be updated accordingly.

3. Contact Information : The phone number listed on my credit report, XXXX, is no longer in use. I request that my new phone number, XXXX, be updated as my primary contact number.

4. Employer : My current job is XXXX XXXX. 

5. My birthday is XX/XX/1984 I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license, Social Security or passport displaying my correct name. 
A recent W2 or bank statement showing my current address.

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. Thank you for your cooperation. 

Sincerely,
Consumer complaint received 2024-09-20
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. (PA)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2022-07-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-27
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)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Consumer complaint received 2024-09-20
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. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
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. (CA)

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. I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does 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 alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescindXXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00}
Consumer complaint received 2022-07-27
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. (CO)

I ordered a free credit report through the FTC on XX/XX/22 for Experian, XXXX, and XXXX. I was only able to get a report through XXXX and I noticed there was a XXXX XXXX XXXX  account on my report that did not belong to me. I filed a dispute with XXXX, but I was unable to with Experian and XXXX as I was not able to receive a report in the first place from either company. I just want to ensure that this XXXX XXXX XXXX account, which does not belong to me, does not show up on any of my credit reports.
Consumer complaint received 2022-07-27
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im dXXXX  now.with no help.
Consumer complaint received 2022-07-27
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. (SC)

Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. 

These are the accounts that's listed on my credit report. XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Bank XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX. 

These are all the hard inquiries I didn't authorize to be ran 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 I did some research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 consent. These are the hard inquiries listed. Not enough room on report to list all inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of the accounts have different reporting information on different bureaus, meaning all information across all XXXX bureaus must match. Numerous error'sI have found on these accounts. I have attached a complete copy of my most recent updated credit report.
Consumer complaint received 2022-07-27
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. (SC)

Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. 

These are the accounts that's listed on my credit report. XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX. 

These are all the hard inquiries I didn't authorize to be ran 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 I did some research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 consent. These are the hard inquiries listed. Not enough room on report to list all inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of the accounts have different reporting information on different bureaus, meaning all information across all XXXX bureaus must match. Numerous error'sI have found on these accounts. I have attached a complete copy of my most recent updated credit report.
Consumer complaint received 2022-07-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a personal line of credit that is paid off in full and now has a {$0.00} balance. I accidentally made an additional payment ( an overpayment ) which Truist Bank deposited and I want my money refunded. It has been close to 5 weeks now and I can not get them to refund the money which they deposited ( I have a copy of the cleared check with the Truist stamp on the back ) and are still holding. This is my money. I have spoken with at least 5 different people on the phone to no avail and even sent a written letter as requested with all of the information and copies of bank statements and the cleared check and no response. I am working with a banker at a local Truist branch who is trying to help me. She was told they see the check but they wont let her issue me a check for the refund due to some technicality on their end. I have been more than patient but at this point it is clearly theft. They deposited my check and are holding my money but refuse to return it to me. I need help please.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FISERV INC. (CA)

I contacted fiserv on XX/XX/2022 I had spoken to XXXX and a XXXX. ( Through email and phone they have omitted the phone call of calling me XXXX names to protect their brand ) I was told to submit a police report and identity theft report which their response proves I am a severe victim of identity theft. I was called a " XXXX  '' and told " they always want stuff greedy XXXX '' I am saddened I did everything I was told yet I not only never received my payment back for my children and I but I was also called XXXX names and totally prejudice acts I had to endure. Please help so no other protected class individual has to be mistreated by fiserv/money network. I have submitted a police report and " all '' documents needed to dispute my claim properly and replace my funds, yet to no avail. They will not accept my documents. Thank you.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America approved the XXXX XXXX claims I made. I was then hacked again within a half hour of it being deposited back into my bank account but this time they took the whole amount of {$4200.00} at one time on XXXX, the reference number given by Bank of America was # XXXX and the case number is XXXX. The phone number XXXX. The last four of the bank account # XXXX. My account was locked so I couldn't get into my account but someone else was able to go into the account and make the transfer on the back end. I have spoken with B of A claims and they said they have been working on this issue since XX/XX/2022 and I think that is deplorable. I have asked them to tell me who and where the {$4200.00} was transferred so I could file a police report and they have been very vague and not at all forthcoming
Consumer complaint received 2022-12-05
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. (PA)

My name XXXX 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 2024-09-20
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. (IL)

Assistance regarding inaccurate reporting on my credit report related to my account with XXXX. 

I have contacted both the credit bureaus and XXXX about this issue. The bureaus indicated that they conducted an investigation but ultimately verified the information as accurate. However, it is impossible for an account to be reported as both paid and derogatory at the same time. 

Given this conflicting reporting, I kindly request that you review my case and assist in the removal of this inaccurate information from my credit report. Maintaining an accurate credit profile is vital, especially for someone in my position, and I appreciate your attention to this matter. 

Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau XXXX XXXX XXXX XXXX XXXX Account Status : Transferred Closed Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX XXXX XXXX : {$1300.00} {$1300.00} {$2500.00} Credit Limit : {$2500.00} {$2500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Purchased by another lender Purchased by a another lender. 
Sold to : XXXX XXXX Account transferred or sold Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month 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 TransUnion XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (NJ)

My auto insurance company, XXXX XXXXXXXX, uses LexisNexis to establish an " insurance score ''. They keep showing two reason codes that are incorrect, XXXX - Number of accounts with bad debt in the last 24 months or derogatory public record or collections is 1 or more and XXXX - Insufficient information on bank revolving accounts. 
Both these comments result in me paying higher insurance premiums which is totally wrong! 
XXXX refers me to Lexis Nexis. Lexis Nexis refers me to the 3 credit agencies- XXXX, XXXX and XXXX. My reports with them are spotless. My scores as of XX/XX/XXXX are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX. 
There is incorrect info being reported from somewhere and nobody wants to investigate they all point fingers at each other. When I contact any of these companies, you can't get a live person on the phone, and the automated system only wants to send a report. I have the reports and there's nothing derogatory on them. 
I had a XXXX XXXX confirmed on XX/XX/XXXX and discharged on XX/XX/XXXX which is more than 2 years ( 24 months ) ago. In the three credit agency reports, they report me as having credit for 32 years and have not had one late payment in the last 2 years. 
I realize there's no incentive for XXXX  to discover they truth then they'd have to lower my insurance premium PLEASE HELP!!!!!!
Consumer complaint received 2022-12-05
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)

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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 am asking for your help in resolving the incorrect account listed on my credit report. This has damaged my reputation, and I rely on your help to fix it. Your poor handling of my credit report has deeply affected me, causing damage to my reputation. These false details need to be taken off my credit report immediately.