davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed XXXX XXXX  bankruptcy in XXXX. The XXXX XXXX with XXXX bank was included in the bankruptcy. The Bankruptcy has been discharged. XXXX XXXX still reports the account as open with a XXXX balance. I disputed the account with TransUnion recently, an investigation was completed and XXXX XXXX replied that they investigated and there is no change to the account status.
Consumer complaint received 2022-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2024-08-19
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 recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 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 )
Consumer complaint received 2024-07-25
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. (MS)

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 ( XXXX ) treatment of inaccuracies or unverified information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Please remove accounts immediately!
Consumer complaint received 2024-08-18
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 have been a victim of identity theft. My perfsonal information has been used to obtain goods and services. I contacted TRANSUNION and told them that this inquiries are fradulent and provided proof, even though told me that this inquiries were verifed. Please dispute and remove this fradulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-18
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. (AL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-08-18
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)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2024-08-18
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (MI)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FM Home Loans, LLC (NY)

I was recommended FM HOME LOANS by a friend. FM appointed him a gentleman by the name of XXXX XXXX who was amazing ). XXXX was taking care of my loan needs. All was going well for the first two months. For some reason. We were told that XXXX was no longer working for FM..FM told us that theyre going to appoint a new agent to me by the name of XXXX XXXX. It took XXXX two weeks before she notified us that she was our new agentXXXX decided to go away for two more weeks to Florida we are already three months in the hole to try to do a closing for refinance. By the time XXXX caught up to all the paperwork in our files we are now four months in the hole to try to do a refinance with XXXX help. XXXX asked us to give her a {$500.00} check deposit that was needed for the paperwork. XXXX assured us that if the paperwork dont go through that I would get back the {$500.00} back. I felt that XXXX was not being truthful in her ways of conducting business and I felt that I was being treated unjustly because of my race. The closing never happened since XXXX didn't file all the paperwork in a timely matter and we lost the rate that XXXX had first given us we were never reimbursed for the {$500.00} and never even got an apology from XXXX.
Consumer complaint received 2024-08-29
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. (AL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-18
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)

I am writing to dispute an inaccurate item on my credit report, which I have obtained from your bureau. I am requesting the removal of this negative item under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1679c. 


Account Name XXXX XXXX Account Number # XXXX Reasons for Dispute : XXXX. Last Verified On Transunion the last date verified XX/XX/XXXX on XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX XXXX of last Activity on Transunion XX/XX/XXXX XXXX XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX XXXXDate Reported on Transunion XX/XX/XXXX XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX XXXXCredit Type on Transunion XXXX XXXX on XXXX XXXX  XXXX Companies And on XXXX Auto Financing XXXXPayment Status on Transunion XXXX XXXX paying as agreed on XXXX Current was past due XXXX  days and XXXX Pays account as agreed XXXXAccount Type on Transunion Installment account on XXXX XXXX XXXX and on XXXX XXXX XXXX payments on Transunion XXXX and XXXXXXXX XXXX XXXX XXXX days late then XXXX XXXX XXXX  days late XXXX XXXX XXXX XXXX  days late, XXXX XXXX XXXX days late and XXXX XXXX XXXX  days late According to 15 U.S. Code 1679c, I am entitled to a fair and accurate credit report. I believe this item is not accurately reflecting my credit history, and I am requesting that it be investigated and removed from my report. Please find attached supporting documents that substantiate my claim and clarify the inaccuracies.

I would appreciate it if you could investigate this matter and remove the disputed item from my credit report if it is found to be incorrect. Please notify me of the outcome of your investigation as soon as possible, and provide me with a revised copy of my credit report reflecting any changes made.
Consumer complaint received 2024-08-18
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)

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit and does not comply with the maximum possible accuracy standard and must be removed due to its failure to maintain reasonable procedures, which is a violation of 15 U.S.Code 1681e ( b ). It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : All accounts are on XXXX, TRANSUNION, XXXX ( XXXX XXXX ( ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Stilt Inc (VA)

I have applied with the company and was denied due to incorrect informAtion on my XXXX  credit report. That information has been fixed but now the company is still using the old denial of incorrectinformation for denial and will not look at correct report and this is a violation
Consumer complaint received 2024-07-25
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-18
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. (FL)

I am writing to dispute inaccurate personal information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. The information on my report contains errors that need immediate correction. Below, I have provided correct information that should be reflected on my credit report : Name : This my legal name : XXXX XXXX. 
Date of Birth : XX/XX/year> Address XXXX XXXX Lakeside XXXX XXXX, XXXX, FL, XXXX. 
These errors have caused significant inconvenience, and under the FCRA, I am entitled to have this information investigated and corrected. Section 611 of the FCRA, 15 USC 1681i, requires that you conduct a reasonable investigation into my dispute and correct any inaccuracies or delete unverifiable information.

Please find enclosed the following documents to support my claim : A copy of my identification [ e.g., driver 's license, passport ] showing my correct name, DOB, and address.

A copy of my bank statement I request that you : 1. Investigate the inaccuracies and correct or delete the incorrect information. 
2. Update my credit report to accurately reflect my correct personal information.

3. Provide me with a copy of the updated credit report once the errors have been corrected.

4. Inform me of the outcome of your investigation within 30 days, as required by law.

Please note that failure to correct these inaccuracies may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-18
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. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX  account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Sections : It also stated a consumer reporting agency can not furnish an account with put my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for purpose.
Consumer complaint received 2024-08-18
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. (AL)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2024-08-18
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. (HI)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-08-18
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)

I have sent requested information for this company a number of times. However, they keep sending back information as verified with no consent from me. I have sent them letters from the court saying they do not verify information. I did not verify and I opt out and have opt out of any third party using or sharing my information. Yet, they refuse to remove the information I have requested a number of times and keep sending back the same information which is not verified. I have also found other errors on my report that have been updated and this bankruptcy information has not been removed as requested.