davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (OH)

I HAVE FILED A COMPLANT BEFORE WITH NO RESPONE BACK currently demonstrated in the above-mentioned report andbeing seemingly deficient ofcertainty of facts, with concerns to the adequately certifiablereporting process ( es ) and or format ( XXXX ), it can NOT be assumed your claims are within theminimal criteria forlawful and or ethical reporting, even should collection rights beunaffected, if evenapplies. In appreciation of the sufficient reporting safeguards, the belownotedclaim ( XXXX ) divulged versus me are contested as not being of a sure confirmation offactsand truth much less being certifiable in its essential compliant reportingprocess ( es ) and orthe mandatory XXXX XXXX format reporting. Being divergent of theexpected reporting caliber, the below contested reputed claims probity each is in astate of peril due to multipleaspects of ailment as indicated beneath, efface fromreporting ALL ASPECTS OF NEGATIVITY immediately and permanently. In accordancewith the Fair Credit Reporting ActSection 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawfulCOMPLIANT REPORTING STANDARDS such as theXXXX XXXX XXXX Points of Compliance andother potentially applicable standards andor regulatory engrossments of reporting I amrendering this officially writ consumerCHECK OF COMPLIANT REPORTING andCHALLENGE versus any and all insufficientreporting and ineptitude to sufficientlydocument factual reporting verifiability ofvalidness, authenticity, accuracy, ownership ofresponsibility, completeness, and orcertifiability of the mandated compliant Procedure ofREPORTING and mandatorilyperfect complete certifiable XXXX XXXX FORMAT compliance ofreporting standard ( XXXX ). Ido not recognize the information listed below as having ever beendemonstrated tobe factual in solidity much less certified compliantly reported in themandatoryprocesses of reporting and with factual, accurate, and completely certifiedorderedformat of the XXXX XXXX COMPLIANCE STANDARD of reporting standard ( XXXX ) .PLEASEDELETE THE FOLLOWING ACCOUNT BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On XX/XX/XXXX my wife called B of A at XXXX XXXX XXXX the lady refused to talk to her since she was not the primary card holder so my wife was irritatated AND TOLD THE LADY TO CANCEL HER CARD IN RETALLIATION THE B OF A EMPLOYEE DECIDED TO TAKE THE LIBERTY AND CANCEL MY CARD UNBEKNOWNS TO ME. I DISCOVERE WHEN I WAS IN XXXX COLORADO AND WAS DENIED CREDIT A RESTAURANT I STILL OWE THEM {$2100.00} minus a recent {$400.00} payment. THINK ABOUT IT WHY WOULD I CANCEL THE XXXX XXXX CARD IF I OWED THEM MONEY? i HAVE HAD THE CARD FOR MANY YEARS AND BEEN A LOYAL CUSTOMER APPARENTLY THEY WANTED TO GET RID OF ME. RECEIVED A LETTER DATED XXXX XXXX XXXX  2017 OFFERING ME NEW TERMS!
Consumer complaint received 2024-09-23
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)

I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Experian. I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-11
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-11
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. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-06
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)

Re : Urgent Dispute of Unauthorized Reporting Under 15 U.S. Code 1681b Dear [ Furnisher ], I write to you with deep concern and dissatisfaction regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to dispute the accuracy of information contained in my consumer credit report. Upon recent review, I have discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file.

Furthermore, the entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( Consumer ) with my wet signature.
Consumer complaint received 2024-09-11
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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I have tried disputing the bankruptcy on my credit file for almost 10 years now ( XXXX is 10 years ), everytime I get back verified through XXXX. I called court house to see if they disclose any bankruptcy information to third party companies in which they said NO we do not. XXXX just removed it a few days ago and XXXX, Transunion will not remove. 
Im requesting original validation, which none of them have. They are putting on credit report without having validation of the account. Disclosing public records without proof is violating my consumer rights. This has affected me for 10 years now.
Consumer complaint received 2024-09-11
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-06
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. (SC)

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. 

Account Name : XXXX  XXXX XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In  XXXX  of  2016  I opened a credit card wit h Capital One. I was con sistent in making all payments on time and always over what I owed. I approached a hardship, outside of my circumstances, and had a payment returned. Instead of being contacted,  Capital One close d not onl y one b ut both my accounts without notice. I have contacted them on several occasions making good faith attempts to pay this balance off. This credit card company does not care about ruining your livelihood and is solely focus on destroying what you are trying to build. Every time that I contact them, I get an agent who always offers me the chance to re-apply. I even re-applied and all they simply did was deny me. Capital  One  prey on individuals that are trying to meet their high standards but fall short due to life. I would like someone to look at this company with a fine tooth comb because us normal everyday citizens are being scammed by them.
Consumer complaint received 2017-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ASTORIA BANK (IL)

We have been processing a short sale wit h Astoria  and their servicer  XXXX  since  XXXX  of  XXXX . I will spare you all the details of how they lost our documents several times and re-requested items they already had. This is why it has taken a year to process the short sale. The most egregious issue is on  XXXX   XXXX ,  XXXX , a counter offer was issued and the buyers accepted the counter offer. All of the requested documentation was submitted to Astoria on  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX ,  XXXX  indicated they will issue a decision by  XXXX   XXXX ,  XXXX . I contacted them several times to follow-up and finally on  XXXX   XXXX ,  XXXX , the day after the Federal taxes are due they requested a copy of them to continue the review. It should have been out of review by  XXXX   XXXX , according to their timeline. We provided the taxes on  XXXX   XXXX . They indicated this file was not sent to the committee for final decision until  XXXX   XXXX ,  XXXX  and they will take 30 days to review the offer. It 's ludicrous to require another review, since this is the counter offer THEY issued us, and we agreed to it. What is their to review? Today, I received a call from the second lender indicating if  Astoria  does n't approve it by  XXXX   XXXX , the 30 days they set out as their review period, they will rescind their short sale approval and we will have to start over with the entire negotiations. It is completely unconscionable to request a counter offer and when it 's agreed to, indicate you will take 30 days to re-review it. Why would the counter offer be made if it was not approved by Astoria already? It 's not negotiating in good faith or a good way to do business.
Consumer complaint received 2024-09-11
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. (TN)

I am filing this report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate. 
XXXX XXXX XXXX, XXXX {$280.00} Account was not proven how it was verified please delete. 
Not mine no knowledge XXXX XXXX XXXX {$1500.00} Account was not proven how it was verified please delete. 

XXXX XXXX XXXX XXXX Incorrect account number, balance is XXXX XXXX XXXX XXXX XXXX Never Late, Incorrect Account Number XXXX XXXX XXXX XXXX XXXX Never Late, Incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Never Late, Incorrect Account Number XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Never Late, Incorrect Account Number XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Never Late, Incorrect Account Number XXXX XXXX XXXX XXXX No knowledge , not my account XXXX XXXX XXXX XXXX XXXX No knowledge , not my account These inaccuracies are a violation of my rights under the FCRA, which ensures that consumer reports must be accurate, complete, and verifiable. I have also filed an official complaint with the Federal Trade Commission ( FTC ), a copy of which is attached for reference. l am requesting an immediate investigation and correction of these errors, as well as written confirmation that these items have been addressed.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My accounts was never late! I have had exceptional payment history with XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.