davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX and I am sending this message in regards to credit agency Equifax. It has come to my attention that my credit file has errors and I have contacted Equifax through mail on XX/XX/2021 through certified mail # XXXX it was received by XXXX. Equifax sent me a letter stating that the information I disputed was verified. Equifax has a history of reporting erroneous inaccurate information on my credit report and I have the facts to prove it. The account I am disputing XXXX XXXX XXXX XXXX account number : XXXX. EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported & XXXX XXXX XXXX XXXX is fraud and said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona, XXXX XXXX XXXX XX/XX/XXXX XXXXTransUnion Consumer Solutions** Subject : Request for Fraud Block and Removal of Fraudulent Accounts Dear TransUnion, I am writing to request the immediate placement of a fraud block on my credit report and the removal of several fraudulent accounts that were opened in my name without my authorization. My previous request was not accepted due to the following reasons provided by your office : 1. Missing essential personal identifying information.

2. Lack of account-specific information, such as creditor names, account numbers, or other details.

3. The description of the identity theft was too vague and did not include specific dates related to the fraud.

I have provided the necessary information below to rectify these issues : Personal Identifying Information : - Full Name : XXXX XXXX - Date of Birth : XX/XX/XXXX - Social Security Number : XXXX -Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Open Date : XX/XX/XXXX XXXX. **XXXX XXXX XXXX  - Account Number : XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX # # # Description of Identity Theft : These accounts were opened without my knowledge or consent, and I first became aware of this fraudulent activity on XX/XX/XXXX. The dates of the fraudulent account openings are listed above, and I request that these accounts be blocked and removed from my credit report immediately. 

Please consider this a formal request under the Fair Credit Reporting Act ( FCRA ) and applicable identity theft laws. I have attached copies of my identification and any additional documentation needed to process this request. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these fraudulent accounts have been removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-08-22
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)

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I was approved for a loan modification by Shellpoint Mortgage Servicing and XXXX XXXX XXXX XXXX in XXXX of XXXXMy first payment was due XX/XX/. 
The only statement I received was in XXXX. It said that if I paid an escrow shortage of {$110.00}, my monthly mortgage payment would be XXXX XXXXXXXX. This is very close to what my original payments was before COVID and the problems after it, so we naturally figured that would be our payment going forward. Especially since a Shellpoint representative had told me that although the 3 month trial payments were higher, the permanent payments were always about the same as before. 
I paid the escrow shortage and made a payment for XXXX in the amount of {$2400.00}. I enclosed a copy of the statement, and marked the checks appropriately. Shellpoint cashed both checks. I received no communication- statements or otherwise, so I continued to make monthly payments in the same amount, all marked appropriately. I included a copy of my statement with each. Each check was cashed. I received absolutely no correspondence from either Shellpoint or XXXX until a Letter of Intent to Foreclose. Even after that, I continued to make my payments, and they continued to cash them right through XXXX.I have requested a copy of all correspondence from XXXX, but have not received it. I was never furnished a statement, or any notice of being behind on payments, or that they were going to report me late and/or delinquent to credit agencies. 
The line item amounts shown on the letter of intent to foreclose make no sense. 
In XXXX I received a letter from a reporting agency saying that my credit had improved because of my timely payments in full to Shellpoint. I thought that was wonderful, and that everything was fine. A month later I went to buy a car, and discovered that Shellpoint was marking me as delinquent. They even marked me delinquent while I was paying my trial payments last XXXX. They are now showing me as 5 months late! 
I never received any notice that they were marking and reporting me as late. They have effectively ruined my credit, and never told my why.This has had a profound effect on my life- and now I can not even refinance with another company. 
I have copies of each monthly cashed payment, as well as the statement I enclosed with the payment. I also have a credit report showing what they have done. 
I did not attach these items because of sensitive account numbers, ssn, etc., but will gladly provide everything if requested.
Consumer complaint received 2024-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently had a debt mostly paid from my taxes and had XXXX dollars left over of my debt. I settled the debt in the last week of XXXX of this year and the report still shows up in my credit report. It was XXXX that I owed money to which is a government type debt. I tried to dispute it XXXX times to transunion, I have proof of my payment for the debt and also called XXXX multiple times to confirm that this debt was settled in which they stated was settled by XX/XX/XXXX. They told me to contact transunion which they stated the debt of {$2.00} dollars is still owed after XXXX disputes with proof of receipt. XXXX had stated that they already reported that the debt was paid. At that point they told me to refer to CFPB. I have worked very hard to get my credit back up and dont want this to possibly affect it in the near future.
Consumer complaint received 2024-08-20
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. (PA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the XXXX XXXX XXXX, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.
Consumer complaint received 2024-08-20
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. (PA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 



Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the XXXX XXXX XXXX, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.
Consumer complaint received 2024-08-20
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. (TX)

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 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-08-22
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. (VA)

With full faith and credit, I kindly request that the CFPB conduct an impartial review of this matter and engage in discussions with XXXX, XXXX, & Transunion to encourage a fair resolution. My objective is to have the inaccurate late payment entry removed from my credit report, thereby rectifying the unjust impact it has had on my creditworthiness. 

I appreciate the efforts of the CFPB in ensuring that consumers ' rights are protected and that credit reporting agencies uphold their responsibilities. I believe that with your intervention, this matter can be resolved in a manner that is fair, just, and compliant with the FCRA. 

Please provide me with confirmation of receipt of this statement and any updates on the progress of the mediation. I am available to provide additional information or answer any questions that may arise during the mediation process. 

Thank you for your attention to this matter. I look forward to a positive resolution with the assistance of the Consumer Financial Protection Bureau.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX  and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX