davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-08-07
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: Experian Information Solutions Inc. (TN)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-11-02
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. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'd want to advise your agency that the original creditor has been contacted regarding the issue and circumstance. I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Data reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments for the account : XXXX XXXX. Please investigate and provide proof with statements showing that this payment was late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir or XXXX, I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. It was for a XXXX XXXXXXXX silver card for the amount of {$1000.00}. I did not open or authorize this account, and I therefore request that it not only be closed immediately, but also the credit inquiry that was placed on my credit reports be removed also.
Consumer complaint received 2024-11-07
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. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Consumer complaint received 2024-11-02
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-11-07
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. (MD)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Our Mortgage loan was transferred or sold to Fifth Third Bank XX/XX/XXXX. We have letters from both banks stating that nothing would change except were to make payment. On XX/XX/XXXX we received a request from Fifth Third Bank for proof of flood insurance. We had never been required to have such insurance and we told at our closing on XX/XX/XXXX that we were not in a flood zone. I went in person to a Fifth Third bank with this information.The bank continued to demand we had to have flood insurance. They actually purchased forced flood insurance for us. All the time I kept calling and talking with multiple bank employees. Our realtor also contacted the bank about this matter via E-mail but got no response. I finally reached a bank supervisor who took my information and worked on it for about1 month. We proceeded to purchase our own flood insurance because we could get it cheaper and after faxing, calling, E-mailing and finally sending a registered letter. I received a letter from Fifth Third bank on XX/XX/XXXX stating we no longer needed flood insurance. I am currently in negotiations with the secretary of Fifth Third Bank. I have had months of Frustration They have cost us extra money by raising our house payment by over 100 dollars and charging us for insurance we did not need. I am concerned that this bank doesn, t know what they are doing. If we had not the funds for these demands I don, t know what would have happened! This is our home and If this could happen to us it could happen to anyone!
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have filed a dispute with the Cfpb in regards to XXXX XXXX falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called XXXX XXXX this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late.
Consumer complaint received 2017-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (OH)

Requesting Immediate Review by the Consumer Financial Protection Bureau ( CFPB ) : -Notification received via email on  XXXX /2017 at   XXXX   XXXX  . from  XXXX  of a change to   XXXX    Credit report after careful monitoring weekly for over 12 months.
-Upon research, a collection was posted by : MIDWST RCVRY ,   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX   , MO  XXXX  for {$3300.00}.
-To date, the CFPB has received 127 complaints about MIDWST RCVRY in 2017 --   XXXX   XXXX   XXXX   of 2017 already and   XXXX   XXXX   XXXX   2017-all similar to mine where collections appear with no notification to consumer prior to submission to Credit Bureau . In many cases, it is also where the consumer has no knowledge of debt or is associated with a payday loan company.
-CFPB database contains nearly 400 complaints about MIDWST RCVRY.
-Upon further investigation, this was provided to   XXXX   and   XXXX    only. Disputes have been filed with all  XXXX  major credit bureaus.
-Type/Rate of item on credit report are unusual code " OPN 09 '' and seen less frequently by the credit bureaus.
-This is damaging information to consumer credit reports and must be stopped.
Consumer complaint received 2024-11-07
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)

Company continues to furnish fraudulent information to my report after being informed that my information was exposed in a data breach & that they were furnishing fraudulent information. This is a direct violation of USC 1681. 


Acct # XXXX
Consumer complaint received 2024-11-02
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. (NC)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alpha Recovery Corp (TX)

I 'll describe the recent call activity that took place today which was identical to the first situation that happened about two months ago with the exact same call representative. The gentlemen that called today, XX/XX/XXXX 2017, initially wanted to confirm my identity by asking for the last four digits of my social security number or date of birth. When I told him I was n't comfortable giving him my identity credentials his temperament immediately changed. He then asked why I was n't comfortable sharing my identification with him now, as opposed to two months ago. I told him because he refused to mention why he was calling in the first place. He also refused to identify himself. I then hung up the call and that 's when he overwhelmed my cell phone with at least 5 consecutive calls, back-to-back. That was before he already called 3 times before I answered the call.
The incident two months ago was worst in all aspects of the conversation. He threatened to report me to all credit agencies and that he would eventually get what he needed out of me. He used extremely aggressive language and his tone was nothing less than hostile. After I hung up on him due to his verbal abusive rant, he then proceeded to call my wife and threaten her as well. She 's XXXX XXXX XXXX XXXX and answered her call during a meeting, where some of her colleagues overheard the gentlemen and suggested that she should end the call because it sounded like a typical " scam call ''.
Consumer complaint received 2024-11-03
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. (SC)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under XXXX XXXXXXXX XXXX XXXX XXXX, {$11000.00} XXXX XXXX, # acct XXXX, {$230.00} XXXX XXXX, acct # XXXX, {$13000.00} XXXXXXXX XXXX # acct XXXX XXXXXXXX XXXX XXXXXXXX, {$190.00} XXXX XXXX acct XXXX {$120.00} XXXX  # XXXX {$7900.00} XXXX acct XXXX {$1000.00} XXXX XXXX XXXX  # Acct XXXX {$730.00} XXXX XXXX  # acct XXXX {$250.00XXXX XXXX XXXX XXXX # acct XXXX {$19000.00} XXXX acct XXXX {$480.00} XXXX # acct XXXX {$7900.00} XXXX XXXX # acct XXXX  {$130.00} XXXX # acct XXXX {$480.00} XXXXXXXX XXXX  # XXXX {$730.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$450.00} XXXX XXXXXXXX {$1400.00} has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( XXXX  ) section states no consumer reporting agency may make any consumer report containing any of the following items of information and Any other adverse items of information other than Records of convictions of crimes which a the antedates the report by more than seven years 15usc 1681s-2 ( XXXX  ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-02
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) XXXX. ( XXXX, Account Number : XXXX ) XXXX. XXXX XXXX XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) Inquiry : ( XXXX XX/XX/XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX XXXX Enclosures : Proof of identity XXXX  Documentation
Consumer complaint received 2024-11-03
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. (NY)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA XXXXection 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, auto loans, and inquiries from DEPTEDXXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$3500.00} ; DEPTEDXXXX ACCOUNT NUMBER : XXXX, BALANCE : {$1000.00} ; DEPTEDXXXXXXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$6100.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached copy of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-02
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. (SC)

I have been involved in Several Data Breaches XXXX  XXXX, XXXX and several other and have found a lot of inaccurate information far as old addresses and reporting on all XXXX credit bureaus. Please investigate.
Consumer complaint received 2024-08-25
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: EQUIFAX, INC. (IL)

I am filing this formal complaint against Equifax and the entities responsible for allowing the entry of these unauthorized credit inquiries on my credit report. I am requesting the immediate deletion of all 26 inaccurate credit inquiries, as these were the result of identity theft and were made without my authorization, in clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n.

Details : Unauthorized Inquiries : The 26 credit inquiries, listed in my report, were made without my consent. Each date listed represents a separate unauthorized inquiry. This constitutes a willful violation of the FCRA, which prohibits obtaining a consumer report under false pretenses or without a permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX & XX/XX/XXXX , Violation of 15 U.S.C . 1681n : Under this statute, any person or entity that fails to comply with the requirements of the FCRA is liable for damages. The entities responsible for these inquiries have willfully ignored the legal requirements, making them liable for both statutory and actual damages. 

Violation of XXXX XXXX ( XXXX ) : The financial institutions involved have also failed to comply with the GLBA by not providing me with the required privacy notices at the time of establishing a customer relationship. This law mandates that I be given the opportunity to opt out of sharing my non-public personal information ( NPI ) with non-affiliated third parties. The failure to provide such an option has unlawfully exposed my personal information to unauthorized third parties.