davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data XXXX XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data XXXX XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (GA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (FL)

I would like to get XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX XXXX  XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX late payment markings since each late payment marks are inaccurate each credit bureau based of months. on XXXX it's reported i was late XX/XX/XXXX, XXXX and XX/XX/XXXX however it is not accurate. 
XXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX XXXX  acct # XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the blocking and deletion of the following account on my credit report due to a recent data breach in which my personal information was compromised. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following account be permanently removed from my report to protect me from potential fraud : Account to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX {$950.00}, XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Onemain Account # XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of 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 the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

My husband and I were moving from one city to another and we decided to stop at Walmart to buy a hammer before arriving at the new apartment. It was around XXXX XXXX. When we got back to the car, the passenger window was forced and my purse with all our documents -including passports, social security cards, and driver licenses were stolen. The police told us that it was common in the area. 

We reported the situation to the credit bureaus but after 6 months three credit cards were opened using our information. 

A TJMaxx card was opened using my information, I discovered that in XX/XX/2020. Since that moment I have been trying to remove this card from my report and has been impossible.
Consumer complaint received 2024-10-28
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. (WA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts are also inaccurate. 

XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

REMOVED THESE ACCOUNTS THEY ARE PAID IN FULL AND OR i AM NOT RESPONSIBLE i SENT ID AND POLICE REPORTS MANY TIMES I ALSO SENT CERT MAIL I HAVE PROOF XXXX XXXX XXXX XXXX Also known as XXXX XXXX XXXX XXXX Account number XXXX AND XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual
Consumer complaint received 2019-01-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

On XX/XX/2018, I filed income-driven repayment plan request. I received an email from Navient stating that my request was approved. My payments were showing to be lowered to {$32.00} for the following month of XXXX. However, as of today it has changed back to the amount {$150.00} without any notification from Navient. I would like clarity and guidance as to why this is happening and for it to be resolved.
Consumer complaint received 2024-10-30
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. (CA)

I am writing to formally request the blocking and deletion of certain accounts listed on my credit report. As a documented victim of a data breach, I am protected under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) and am entitled to have fraudulent accounts blocked and removed from my file. 
Below are the details of the accounts that I request to be removed : XXXX. XXXX XXXX XXXX XXXX Account Number Ending : XXXX o Date Opened : XX/XX/XXXX o Balance : {$740.00} XXXX. XXXX XXXX o Account Number Ending : XXXX o Date Opened : XX/XX/XXXX o Balance : {$960.00} XXXX. XXXX XXXX XXXX XXXX Account Number Ending : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3900.00} XXXX. XXXX XXXX  XXXX Account Number Ending : XXXX o Date Opened : XX/XX/XXXX o Balance : {$300.00}
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, a dispute was submitted to XXXX on behalf of XXXX Bank, XXXX bank XXXX and XXXX XXXX Bank. The Dispute disclosed the evidence needed to validate that the Debt that is reported to being to XXXX BANK, XXXX BANK XXXX AND XXXX XXXX BANK in fact does not belong to those credit agencies as they have been sold to another company and paid. 

XXXX BANK account ending in XXXX was sold to XXXX XXXX XXXX XXXX ( XXXX File Number XXXX ) Final payment was resolution payment was received XX/XX/XXXX. 

XXXX BANK XXXX account ending XXXX was sold to XXXX XXXX XXXX XXXX and final resolution payment was received XX/XX/XXXX. 

XXXX XXXX Bank was sold to XXXX XXXX XXXX. 

by XXXX agreeing to publish the inaccuracy of the account information on my credit report, they too are violating the FCRA statue.
Consumer complaint received 2024-10-24
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. (MI)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

To Whom It May Concern : I am submitting a complaint regarding XXXX XXXX for inaccurately reporting information on my credit files with Equifax, XXXX, and XXXX. The discrepancies across the XXXX bureaus are unfairly damaging my credit score and overall financial standing. I respectfully request the CFPBs assistance in ensuring that XXXX XXXX corrects these errors and aligns the information accurately across all credit bureaus. 

Account Details : Creditor : XXXX XXXX Reported Issues : Inconsistent and incorrect reporting across Equifax, XXXX, and XXXX Issue Summary : 1. Inconsistent Reporting Across Bureaus : XXXX XXXX has reported incorrect and inconsistent information on all three credit bureaus. These discrepancies include variations in dates, balances, and account status, creating a misleading and inaccurate portrayal of my credit profile. 


XXXX. Request for Correction of Errors : I have previously contacted XXXX XXXX to address and correct these issues, but they have failed to make the necessary updates across the credit bureaus. This continued inaccurate reporting has caused significant and undue harm to my credit score. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation of the reported information. Due to the inaccuracies in reporting, I am requesting immediate correction and alignment of the information on my credit reports with Equifax, XXXX, and XXXX.
Consumer complaint received 2023-09-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

This complaint is in reference to my new Mortgage company Mr. CooperXXXX. Over the weekend, I was hit with a negative {$5600.00} plus dollars in my checking account. Upon checking my account with XXXX, there were 3 unauthorized deductions of {$1400.00} from the mortgage company. I spoke to a customer service rep from Mr. Cooper and XXXX XXXX. The mortgage company indicated that they didn't find out about the glitch in the system until Saturday morning. XXXX assured that all funds would be returned by Tuesday and any overdrafts would be covered. The bank rep also stated that letters would be issued by the mortgage company to be forwarded to creditors. Many of my household bills are auto deducted EXCEPT the mortgage in which I have held for 22 years. Question is : how was the mortgage company allowed to freely deduct monies that were not authorized? They took all of our funds. Our plans for that entire weekend were basically ruined due to this huge error.
Consumer complaint received 2024-10-30
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. (IL)

First off this XXXX is being impostered by two people : XXXX ( Don't know his last name ) : ( XXXX ) XXXX and another person that goes by the name of XXXX XXXX : ( XXXX ) XXXX. They said that in order to boost my score they would do what is called a reroute to boost my credit score. I didn't know what this was until they started heavily requesting reversals on my checking bank account and had me do bitcoin and gift card/money card combos to return the money my bank was placing in my account. They continued doing it until I told them to stop, but cont 'd still doing it. They took thousands from me and now I owe my bank. Then I looked for another company by the name of XXXX XXXX. The guy who sent me a " supposed '' document to sign was named XXXX XXXX : ( XXXX ) XXXX and the other person who alleged would help me, he went by the name of XXXX XXXX : ( XXXX ) XXXX. This guy said he would fix the damage the others did and had me do the same thing, once money came into my account because of the reroutes, he said I'd have to do the same and do bitcoin and giftcards so he could supposedly put back the money. He took thousands as well and this prompted me to per the advice of the Fraud Dept. of XXXX to take a statement from me, block my accounts and have me go to my bank branch and close my accounts and open new ones as well as obtain a new debit card as well since both these phony lending institutions had all my info including my DL, social security number and pin to my debit card. I feel embarrased, ashamed, and emotionally depressed that this happened to me. All I was looking for was a loan to help me with my second job. I work hard and honestly for my money and for these pieces of garbage to take advantage and use my emotions is totally unfair. Both phony lending places said that they do this because I avoid paying fees. Please HELP me recoup my money as it is owed to XXXX now from my own pocket!
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I am trying to dispute these inquiries on my report for a while now and I haven't been able to get them removed. It also shows I have a bankruptcy dismissed and that is not correct. It has been discharged about XXXX  years ago. I need to have these removed according to the Fair Credit Reporting Act, which is unverified and unauthorized. 

The following companies are the ones that I would like 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dispute above is for the inquiries and the one below is for the XXXX 

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-23
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: CITIBANK, N.A. (NJ)

There was a disputed account that was resolved in my favor. However, it seems the closed the account, reopened the account, resolved the dispute in my favor, but there are still trail charges ( fees/late charges/interest/etc. ) that is still lingering against a fully disputed and resolved amount that keeps resurrecting the account.

The told me this would be resolved, but their resolutions are not keeping pace with the speed of the fees being charged against fees and the departments are not pausing the charges. 

The accounts are all closed and are all resolved disputes in my favor, but their fees are triggering news fees against an initial dollar amount of XXXX. Only really financial transactions are from the company triggered automated fees. 

It is feedback loop that won't stop. 

This has been going on since late XXXX.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.