davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general 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 ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-11-22
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. (CO)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A collection removal request was made to all 3 credit bureaus. All but one successfully removed the collection from my report, TransUnion is the only one that did not remove the collection. As a result an application for financing was not successful due to a collection showing on my report. Upon realizing TransUnion did not remove the collection I proceeded to file a dispute. I later had a live chat informing TransUnion that my report had not been updated. I was told I needed to contact the collection agency. I did and they informed me a request for removal was made and also provided me with a confirmation of that request. I contacted TransUnion to give them the confirmation, informing them that the issue lies with them. They said there was nothing they could do and that it will be 30 days to complete the dispute. I informed them that there is no dispute, since it is merely TransUnion not removing the collection as requested by the collection agency. I got no where with the multiple live chats, so I called and spoke with a TransUnion rep who acted as if they were helping me. Due to me letting them know I am trying to get an apartment before the holiday and I dont want to be denied due to an error collection showing on my credit report. He said he made adjustments for it to be removed. I thanked him and got off the phone. I then received a secure message from TransUnion stating they have an additional 15 days to resolve my dispute due to new information received by me! This is unacceptable and despicable. I laid my heart out there trying to get someone to help me. I worked hard to improve my credit so I can move out on my own allowing my daughters to visit me for the holidays and this collection is preventing me from making purchases that would change me life.
Consumer complaint received 2024-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-11-22
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. (DC)

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft resulting from a data breach, and the accounts and inquiries listed below were added without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these items to be immediately blocked and deleted from my credit report. 
Fraudulent Accounts : 1. Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KS)

Hello, I noticed that my credit report has items that have resulted from fraud which I never benefitted from.This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general 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 shalli ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account : XXXX XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX - Account # XXXX This account is being reported inaccurately, please remove this from my credit report immediately. 


XXXX XXXX - XXXX - This account is being reported inaccurately, please remove this from my credit report immediately.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-11-22
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. (SC)

XXXX XXXX XXXX XXXX  is inaccurately reporting on my credit with XXXX. They are inaccurately reporting an account I have with XXXX XXXX XXXX  ending XXXX, with XXXX XXXX XXXX XXXX  account ending # XXXX. The account is the same property. period of times and dates. 

I contacted them as well as XXXX previously indicating they had incorrect delinquent information ; they said they removed it. Although, in the summary, the account says it was paid as agreed, yet it appears on account # XXXX I was 60 days late in XX/XX/year>. This is false. 

I have copies of my XXXX XXXX  statements which show XXXX XXXX XXXX XXXX  electronically deducted the payments from my checking account for that month and the two months prior, so the account is not past due. 

Also, XXXX XXXX XXXX XXXX  's records for account # XXXX, which is the same loan and the same period, the Bank reports my payment was paid as agree and the historic payment history provided on this account do not report any my payment being delinquent in the payment history they provide during the same time.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

These inquiries are not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (LA)

On XX/XX/year>, I purchased a washing machine at XXXX and opened an credit card account. The total price was {$580.00}. 

When my bill arrived, I misplaced it in the hustle leading up to XXXX. 

I paid a number of bills online via a money transfer from my XXXX account on XX/XX/XXXX. I found the information to transfer funds to Synchrony Bank and approximated that the washer was about {$550.00}, knowing that there may be a balance remaining for the next bill. 

The XXXX bill was {$690.00}, which included XXXX extra purchase and interest of {$16.00} and a late fee of {$30.00}. I subtracted the {$550.00} from {$690.00} and paid the balance. 

In XXXX, my bill was {$550.00}. I appealed and submitted my bank statement and transfer confirmation from XXXX XXXX 

That process has been repeated XXXX more times, each time asking me to send my bank statement or owed money. 

When I have called and asked to speak to a person, I get someone who is reading a script and telling me I owe money. They will not forward my call to a supervisor and by email or by post, I have had the same impersonal XXXX XXXX generated response. 

I do not know what else to do but file a complaint with you.
Consumer complaint received 2024-11-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX and XXXX trying to collect the money out of my bank account and put me in the negative. I'm still receiving emails talking about the account is past due. They also put me in the credit collections such as Transunion, XXXX and XXXX.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-11-22
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. (NV)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-22
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. (TX)

I am filing this complaint against TransUnion LLC for failing to investigate and correct inaccurate payment information on two child support accounts, despite multiple disputes. On XX/XX/XXXX, I disputed these inaccuracies, followed by a second dispute on XX/XX/XXXX. However, the errors remain on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are from the Office of the Attorney General ( OAG ) and include XXXX XXXX XXXX ( XXXX ), which is inaccurately reporting payment history from XX/XX/XXXX to XX/XX/XXXX, and XXXX XXXX XXXX ( XXXX ), which is inaccurately reporting payment history from XX/XX/XXXX to XX/XX/XXXX. The date last active is also inaccurate. Despite my multiple dispute submissions, TransUnion has failed to conduct a reasonable investigation as required by FCRA 1681i and continues to rely solely on creditor-provided information without independently verifying its accuracy. 

This failure to investigate and correct the errors violates the precedent set in XXXX XXXX TransUnion XXXX, which requires credit bureaus to perform reasonable investigations rather than blindly accepting creditor data. TransUnions actions constitute negligent non-compliance with the FCRA and have caused harm to my credit standing. 

I respectfully requested the FTC to investigate this matter and ensure TransUnion complies with the FCRA. Attached are copies of my dispute letters to both the FTC and Transunion as well as documentation of the incorrect payment histories for reference.
Consumer complaint received 2024-11-22
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. (FL)

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Per USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review
Consumer complaint received 2024-11-22
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. (MI)

Transunion, experience, XXXX have all XXXX reported info. Which shows multiple errors. How do I go about getting them removed. From old addresses to late payments. I have XXXX outstanding loans but yet my credit has not moved in years.
Consumer complaint received 2024-11-22
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. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I did my due diligence and contacted them to have the honor their part of our agreement. I was told this would be updated in XXXX days but it still appears on my report.
Consumer complaint received 2024-11-22
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)

I am contacting you to address several issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and reporting inaccuracies. I would greatly appreciate your assistance in resolving these matters to maintain my financial stability.
Consumer complaint received 2024-11-22
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting 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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Re : Request for Removal of Hard Inquiries Dear Sir/Madam, I am writing to formally request the removal of certain hard inquiries from my credit report. I have reviewed my credit file and noticed the following inquiries that I believe should not be on my report : * XXXX XXXX chapel XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX manage XX/XX/XXXX * XXXX XXXX XX/XX/XXXX * XXXX XXXX XX/XX/XXXX * XXXX XXXX manage XX/XX/XXXX I am requesting that these inquiries be removed because : 1. I did not authorize the inquiry. 
2. The inquiry was made in error. 
3. The inquiry was made under circumstances that do not meet the conditions for a hard inquiry under the Fair Credit Reporting Act ( FCRA ). 

Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to request the removal of any unauthorized or inaccurate inquiries from their credit reports. I believe these inquiries were either unauthorized or made in error, and I ask that they be promptly removed from my credit file. 

Please review the details of the inquiries listed and remove them from my credit report. I would appreciate it if you could send me written confirmation once this issue has been resolved. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

Hello, this issue is in reference to an unauthorized transaction in the amount of {$270.00}. I contacted customer service concerning the transaction on XX/XX/year> and on XX/XX/year>, I received an email stating that my claim was reviewed and there has been no error occurrence. Therefore, the provisional credit was removed. Ive provided all the necessary information needed to prove that this charged on my account is an unauthorized transaction. Ive also submitted proof of me trying to resolve this issue with the company, with no success. I was given an option to file an appeal, in which, I did go through with the appeal and submitted it XX/XX/year>. I am still waiting for a response and Ive been trying to get this manner resolved for several months, with the company and Navy Federal Credit Union. I would appreciate the help with getting my issue resolved, thank you and XXXX XXXX