davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (IN)

I am writing this complaint letter in reference of XXXX XXXX   XXXX XXXX. XXXX XXXX  XXXX XXXX falsely reported a fraudulent debt to a collection agency, Wakefield and Associates. XXXX XXXX XXXX XXXX failed to furnish the information as required by consumer law. XXXX XXXX   XXXX XXXX has FAILED to provide an itemized invoice, the original contract of payment, dates of service, and location of service. I have also filed a complaint with the State 's Attorney'sOffice for the states of Florida, Indiana, and Tennessee as XXXX XXXX XXXX XXXX has forwarded this fraudulent bill to Wakefield and Associates. Wakefield and Associates are also filed in my federal and state complaints. I demand that this fraudulent debt and negative credit reporting be removed from my credit report and all debts be deleted.
Consumer complaint received 2023-10-12
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. (MI)

XXXX account # XXXX have 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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
Consumer complaint received 2020-09-19
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. (NJ)

XXXX XXXX Balance Owed : {$0.00} - I never had an account with this creditor. 


XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$6400.00} - I am a victim of identity theft and this is not mine. 
XXXX XXXX XXXX XXXX : {$4100.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX  XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX XXXX : {$2600.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing me significant distress. As a victim of identity theft, I have already reported the incident. It is crucial to address this matter promptly, as it has adversely affected my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2024-10-17
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. (NY)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-17
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. (NJ)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2020-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I have been sick with XXXX and was not able to respond in a timely manner I would like to reopen case COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Checking or savings account ISSUE Closing an account step 1 : What is this complaint about? -- -- -- -- Balance not received from blocked account Step 2 : What type of problem are you having? -- -- - I was told that the balance would not be given to me instead would be in a ledger Step 3 : What happened? -- -- -- -- I opened the checking account with {$3000.00} dollars, 2 cashiers check were written in my name to me which was deposited at the ATM one for {$24000.00} and the other for {$12000.00} both checks were cleared, then one day i was not able to use my ATM debit i call the bank several times and was told the checks were fraudulent and would be returned to bank that it was written on. the the check for the {$24000.00} was returned the account was opened on XX/XX/XXXX its over a year now with still no response as to what will happen to my balance. The balance was already sent back and yet CITI still holding on to my balance,. 

Step 4 : What company is this complaint about? Citi bank
Consumer complaint received 2024-10-17
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. (IN)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom this may concern, my name is XXXX XXXX XXXX, and I've decided to write this statement. Per 15 USC Code 1681-2 ( a ) ( a ) 1 ( a ) ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my account as they violate my rights as a federally protected consumer. I demand removal of the listed accounts in this report. Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17
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. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-09-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MD)

I would like to inform you my lender approved me to home modification, and I passed the 3 months trials from XXXX to XXXX. They sent me pockets for signature and notarized it.Multiple times my lender sent home modification pockets.The last pocket I sent was XXXX via US postal.3 days delivery.It has 1 more week before the timeframe lapse.Then as of today XX/XX/2020 I received letter from my lender that my application is denied to some reasons : I failed to submit the Home Modification Agreement in the time frame provided for me. I have the receipt of my mail that I sent to my lender.
Consumer complaint received 2020-09-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (NY)

a bank called Suntrust began showing up on my credit report in XXXX as unpaid payments. I've never heard of them nor have any agreement with them. the loan they're trying to collect on is from XX/XX/2008!!! my credit score has dropped over XXXX points in just 3 months and I was on my way to have a XXXX credit score by XXXX. I'm trying to buy a home and not be XXXX homeless during a pandemic. 

I've filed several disputes with XXXX  but nothing came of it. I need these negative hits to my credit to stop IMMEDIATELY.
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

XX/XX/2020 and XX/XX/2020 attempting to link our business checking account to XXXX in order to apply for PA State XXXX XXXX Grant. 

Keep getting an error message from XXXX that PNC has changed their procedures and is not allowing a properly authorized link to occur. 

Need resolved ASAP
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-17
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX
Consumer complaint received 2024-10-17
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. (WI)

Upon reviewing my consumers report i noticed that there were two accounts listed that do not belong to me. Here are the accounts listed below. 

XXXX XXXX XXXX Acct # XXXX, Bal {$42000.00}, Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Acct # XXXX, Bal {$24000.00}, Opened XX/XX/XXXX
Consumer complaint received 2024-09-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (SD)

Hello : I have loans through XXXX and other providers, and filed Borrow Defense. I went to school and XXXX  XXXX XXXX XXXX and paid {$40000.00} plus so far to XXXX and through Federal Loans much much more. I was to receive a refund of the forgiveness portion from the Borrow Defense I filed through Mohela and XXXX and it was around {$32000.00} as I spent almost {$150000.00} on a XXXX for which no employer recognizes as valid since the school was closed down, so the degree is completely worthless. I have received one check for {$4000.00} for a XXXXXXXX XXXX XXXXXXXX settlement but that does nothing to help me figure out how I am going to pay my student loans or be compensated for a fake school. How do I find out if I will get some more of that to help pay this down and be compensated for this. I am on the XXXX XXXX XXXX due to the fact that nobody can tell me anything, I do not know where to go, on Mohela 's current site, I can not even make a payment on my current loan because there is some glitch and I get a canned response every day I eamil them but the interest continues to accrue every single day. This is absolutely ridiculous interest accrues and I have no way to pay and I am owed money for this counterfeit school. I am begging someone to please help me ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-17
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. (FL)

Heres a draft of how you can describe what happened to the CFPB in your dispute : In XX/XX/XXXX, an unauthorized credit card account was opened with XXXX XXXX under my name and personal information. I did not apply for, authorize, or have any knowledge of this account being opened. The account was issued with a credit limit of {$5000.00} but is currently showing a balance of {$5200.00}, which exceeds the limit ( 104 % utilization ). I discovered the account 's existence in XX/XX/XXXX when reviewing my credit report. 

The account has severely impacted my credit score due to missed payments, showing delinquencies starting in XX/XX/XXXX and continuing for several months. I have not made any payments on this account, as I did not authorize it. The account was closed by the consumer in XX/XX/XXXX, but this action was not taken by me. 

I reached out to XXXX XXXX to dispute the account and informed them that my identity was used without my consent. Despite my efforts, the account remains on my credit report, and I am requesting that this fraudulent account be removed and my credit report corrected to reflect that I was a victim of identity theft ... ... ... ... ... ... XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX USA ( XXXX ) XXXX
Consumer complaint received 2024-09-25
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX  XXXX .... & XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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. (FL)

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S.Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities withfairness, impartiality, and a respect for the consumers right to privacy. Im exercising thisright under the code. Please see the following information is handled with the utmostfairness, impartiality and respect for my right to privacy. For the record, Im the one whosinitiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dontget why youre claiming these are fraudulent or of a high risk nature. The documents Iveprovided are legit. These are mine, filed with the appropriate agencies & support myposition. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwiseprovided in this section, a consumer reporting agency shall block the reporting of anyinformation in the file of a consumer that the consumer identifies as information thatresulted from an alleged identity theft, not later than 4 business days after the date ofreceipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copyof an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to anytransaction by the consumer. In your previous correspondence you mentioned that myidentity theft report needed to be filed with a law enforcement agency which subjects tocriminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A lawenforcement agency. My FTC Report # is XXXX, XXXX. I dont think you havereviewed the documents submitted & are sending me frivolous boiler plate responses todeflect from your responsibility to comply with FCRA laws. Furthermore, you have failed toprovide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advisedthat under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE allinformation which can not be verified. Again, under 617 Civil liability for negligentnoncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply withany requirement imposed under this title with respect to any consumer is liable to thatconsumer in an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce anyliability under this section, the costs of the action together with reasonable attorneys fees asdetermined by the court. 
XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX