davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-08-09
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. (NY)

My issue is with Experion. 
The bank that I had a home equity loan with, filed a late payment report after I had paid the loan off completely. I filed grievances with 3 separate credit agencies. Both XXXX and XXXX cleared the problem and raised my credit score back to where it was before the erroneous report was filed, to XXXX. 
My problem is with Experion, I had to file 2 grievances with them. They have not cleared the info and have kept my credit score below XXXX.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I've contacted all XXXX credit bureaus to have my personal information corrected and reported that the address and phone numbers were incorrect. I have been told that they would notify me when it was corrected, but it still reflecting incorrect on my credit report.
Consumer complaint received 2024-08-09
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. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. XXXX XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A XXXX XXXX XXXX CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-16
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)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-16
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. (MI)

XXXX XXXX XXXX XXXX Subject : Fraudulent Account Opened in My Name Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute a fraudulent account that has been opened under my name and to request the immediate removal of any associated late payment records affecting my credit history. 
In XX/XX/XXXX, it came to my attention that an account was opened using my personal information without my consent. I would like to stress that I have never served in the military nor do I have any acquaintances who have. The lack of connection to XXXX XXXX XXXX XXXX raises further questions regarding the legitimacy of this account. Additionally, I am aware that no branches of XXXX XXXX operate within my state. As such, I am unclear on how this account could have been opened allegedly in my name. 
Unfortunately, my identity has been involved in numerous data breaches, leading to an increased risk of identity theft. To address these issues, I have filed a police report regarding the unauthorized activity on my credit report, and I have taken steps to monitor my accounts closely. It is concerning that the opening of this fraudulent account has not only impacted my credit score but has also led to late payments being reported, which I did not incur.

Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft, such as myself, have specific rights that protect them from adverse events resulting from unauthorized use of their personal information. Section 605 ( e ) of the FCRA prohibits the reporting of information related to the account that resulted from identity theft, and I believe that these protections apply in my case. Thus, I respectfully request the removal of any late payments and history associated with the fraudulent account from my credit report.

I am prepared to provide any additional documentation necessary to assist you in your investigation, including a copy of the police report and evidence of the data breaches involving my information. I urge you to take this matter seriously, as it not only affects my financial stability but also my peace of mind.

I appreciate your prompt attention to this issue and look forward to your swift action in resolving this matter. Please confirm in writing that the actions I have requested have been completed and that my credit report has been updated accordingly.

Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ] [ Last Four Digits of XXXX XXXX ]
Consumer complaint received 2024-10-16
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)

I checked my credit report this morning and noticed unauthorized inquiries that I dont recognize. Im really frustrated because I check my report regularly, and these inquiries just suddenly appeared. I refreshed my browser to see if it was a mistake, but nothing changed. I need this situation resolved as soon as possible, and I expect the documents I sent to be checked carefully to ensure this problem doesnt happen again.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This account never been late XXXX XXXX number XXXX It has come to my attention that there are errors on my credit report. 
Case law in XXXXXXXX XXXX XXXX XXXX courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or fix it.

I am demanding the proof be provided that these accounts are in fact late or removed late payment. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made.

I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable. 
I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction. 
Please make the requested corrections on the following account XXXX XXXX number XXXX Please note that I have opted out in writing of your forced arbitration terms and that I am willing to seek legal relief. 
Please provide me with an update report within the 30 days established by law
Consumer complaint received 2024-10-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (CA)

I had a loan with XXXX that offered a discounted APR rate every month. XXXX sold the loan to SST and the discounted APR rate was discontinued. I have called SST on three separate occasions to get my last statement from XXXX  to confirm the APR XXXX had me at matches what SST has and every time I call, they tell me that they already emailed it to me and that I have to put in another request. I have not received my most recent statement and I don't understand why it's so difficult for them to send it to me. I just put in my THIRD request today for the same document.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Account is listed on credit report as charged off company is still trying to collect debt and made me pay by saying credit card will be reinstated i never received 1099c form for account and I made a payment on XX/XX/year> and final payment is requested for XX/XX/year>
Consumer complaint received 2024-10-16
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. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-16
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. (LA)

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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX is reporting wrong balance to my accounts that are paid off and reporting that I owe balances to creditors. I have a XXXX  credit card ending in XXXX that has been paid in full before they updated report, they post to my credit report. XXXX does not contact the creditor they use a data base that is wrong and 30 days behind
Consumer complaint received 2024-10-16
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. (MS)

I have identified errors on my credit report related to 15 USC 16c-2. The listed inquiries were not authorized and are negatively affecting my credit. Please remove all unauthorized hard inquiries. Thank you.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. And According to the fair credit reporting act 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 who the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 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 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. and according to 15 USC 1681 s-2 they suppose to not furnish any information relating to a consumer to any consumer reporting agency if the personknows or has reasonable cause to believe that the accounts inaccurate.
Consumer complaint received 2024-10-13
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. (LA)

Consumer Name : XXXX XXXX XXXX XXXX  Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 2024-10-16
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: EQUIFAX, INC. (FL)

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 2024-10-16
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. (TN)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-16
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. (MI)

Dear Transunion, " I am filing a formal complaint regarding multiple unauthorized hard inquiries on my credit report. Under Section 604 of the Fair Credit Reporting Act ( FCRA ), inquiries are only permissible with my prior authorization or under specific permissible purposes. Since I did not authorize these inquiries, they should be removed. 

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 I previously contacted the creditors and credit bureaus, but no resolution has been provided. I am now requesting the CFPBs assistance under the Dodd-Frank Act to ensure these inquiries are removed. Additionally, under Section 611 of the FCRA, I request a full investigation into these inaccuracies within the legally mandated 30-day period. If these inquiries are not removed, I reserve the right to pursue damages under Sections 616 and 617 of the FCRA. ". 

I am requesting that these inquiries be removed from my credit report. If the creditors claim the inquiries were legitimate, I would like them to provide specific documentation, such as signed applications, digital consent with time stamps, or any other evidence proving my authorization for these inquiries. ''
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I was made aware a XXXX XXXX account was opened in XXXX  under a number XXXX which never belonged to me, they also listed an address I did not identify with. I made the creditor aware of how the reporting of this account is affecting me on a mental and financial level. No validation of account was provided, just a hang up after receiving address and phone number tied to this account. This creditor will not allow me to dispute the account with them directly. I have no other request but for this account to be removed from my report. I have never communicated or given this creditor permission to furnish any account on my credit report.
Consumer complaint received 2024-10-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

Around XX/XX/XXXX, my mortgage loan was approximately {$56000.00} behind. Earlier to that time, I applied for mortgage assistance through the Maryland Homeowner 's Assistance Fund ( HAF ). Also around XX/XX/XXXX, I was approved to receive {$60000.00} of assistance from the HAF program in the form of a {$40000.00} loan and a {$20000.00} grant. 

In XX/XX/XXXX, my mortgage servicer ( Carrington Mortgage ) through HUD applied a {$56000.00} lien on my residence. Through the fog of instability and stress of trying to maintain my home and these events occurring around the same time, my co-borrower and I did sign a note to repay the HUD lien, not realizing it was unrelated to the HAF assistance I applied to receive. My co-borrower and I also signed a note to repay the $ XXXX HAF assistance. My XX/XX/XXXX mortgage statement shows that the $ XXXX HAF assistance was used to reduce the principal balance of my mortgage, while the mortgage had a past due amount of {$57000.00}. That principal adjustment only served to shift the creditor to be repaid from Carrington to state of XXXX. In other words, the assistance was of no benefit to me. 

I applied for and wanted the HAF assistance. I did not ask and did not want the HUD lien to be attached to my residence. Now, I owe the $ XXXX lien PLUS the $ XXXX HAF loan, which puts me in a financially adverse position.
Consumer complaint received 2024-10-16
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.