davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

"
Consumer complaint received 2024-10-14
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. (MD)

Its been 30 days removed from illegally reporting This company is operating illegally in North Carolina without a license to collect the debt they dont own n : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-14
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. (CA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (UT)

My credit after work was boosted to XXXX then a card that isnt mine or under my name was added and claimed to be late and my credit is in the dumps once again I had identity theft problems I reported a while ago now my credit is shot and they havent corrected the problems
Consumer complaint received 2024-10-14
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. (TX)

FCRA viloations not mine not my credit cards XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9400.00} Status Account charged off. {$9400.00} written off. {$9400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$510.00} Status Collection account. {$510.00} past due as of XX/XX/XXXX. 
was never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Open. 
never lived here XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Resident type Single family not my number ( XXXX ) XXXX Residential never worked here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not my name XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-14
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. (NV)

Below is the letter i sent to the company and the reporting third party companies Transunion and XXXX, This letter is to inform you that XXXX is in violation of multiple laws set forth by Congress 15 USC 1681 in reporting information solely as to transactions or experiences payment history, charge-off status, between the consumer, which is me and the person which is XXXX. 

Per the FRCA as a federally protected consumer, I am now opting out of all authorization I the consumer unknowingly gave you, written, unwritten, verbal, and non-verbal per the 15USC 6802 and 16CFR 313.7 effective immediately and indefinitely to report my information to a third party, and non affiliates such as Transunion, and XXXX. That is a violation of The Privacy Act of 1974. 

Also on my report this account is reported as a charge-off in the amount of {$590.00}. Charge -offs are sold to a third party debt collector which is considered a certificate of indebtedness, according to the IRS Publication and once it is sold the debt no longer belongs to me and it is considered income. A charge off is Income and income can not be reported on a consumer report. Yet I have not received a 1099C regarding this account that your company has filed on my behalf, so I can do my taxes properly. 

Update the account as paid as agreed and send the 1099C that your company filed to the address above. 

Also there are several inconsistencies which is another violation with the dates of last activity, and the dates of when the account was opened. According to 15USC 1681, the purpose of the Fair Credit Reporting Act is to be accurate and fair and it definitely isnt either. 

Update my report with the above laws, correct this Charge-off account, and or remove it from my report. 

This company has not responded but continue to report misleading and false information I request the CFPB to investigate this matter thoroughly and take appropriate action for their many violations of federal statutes.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

OPPITY FIN TransUnion XXXX XXXX Account # : XXXX Balance : {$2900.00} {$2900.00} The above company is reporting a balance on a disputed account. I am writing to formally dispute an inaccuracy on my credit report as provided by your bureau. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. This dispute is also in alignment with XXXX XXXX compliance standards which mandate accurate and complete credit reporting by furnishers of credit information. The late payment and or balance on an account with XXXX XXXX. This information is incorrect because the account has been charged-off. { A discharge of an obligation or debt, and part payment, if accepted, is a discharge pro tanto. Hattrem v. Burdick, 138 Or.600. 6 P.2d 18. 19. } .Under the FCRA , specifically 15 U.S.C. 1681i, you are required to investigate and correct any inaccuracies within a reasonable time frame. Additionally, XXXX XXXX compliance guidelines stipulate that all information reported must be accurate and up-to-date. Please conduct a thorough investigation into this matter and correct the erroneous information. I have enclosed copies of relevant documents to support my claim. Additionally, under the FCRA, you are required to notify me of the results of your investigation and provide a revised copy of my credit report reflecting the corrections. Please acknowledge receipt of this letter and let me know the next steps. Should you need any further information, see attachments! 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> CFPB Subject : Proof of Payment for Account # XXXX Dear [ Debt Collector 's Name ], I am writing to provide proof of payment regarding my account with you, as per 15 U.S. Code 1692c. 
Details of the Payment : Payment Amount : {$500.00} Payment Method : DEBT CARD Account Number : XXXX Enclosed with this letter is a copy of the receipt/transaction confirmation for your records. 
As of the date of this letter, the balance on my account should reflect this payment. Please update your records accordingly. 
If you have any questions or require further documentation, feel free to contact me at the information provided above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CO)

XXXX or XX/XX/year> XXXX accounts with Wells Fargo were opened in my name without my knowledge and permission. Someone used my social security number, address, and identity without my knowledge and permission. I had a insurance check claim with XXXX, {$19000.00}, and the claim check was deposited into the Wells Fargo account without my permission and knowledge. I was made aware of the account XX/XX/year> and went to Wells Fargo to file a claim. A fraud and identity claim was filed. Wells Fargo declined my claim, stated I had given permission to open the account. Wells Fargo allowed my information to be used online to open the account and the funds to be spent.
Consumer complaint received 2024-10-14
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. (IL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-08-01
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. (TX)

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 2024-10-14
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. (NY)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (IL)

This is a follow up to a closed complaint, as the letter from NewRez to the CFPB did not satisfy the issue. I submitted a response to this complaint within the time period required, but the complaint shows as " closed, '' so I have no choice but to re-open this issue with another complaint. For reference, the original complaint number is XXXX. 

Following is my response to the rebuttal sent by NewRez to the CFPB.

In the response letter, they stated that the form submitted was outdated. If that is the case, then they are the ones who are responsible for that as you are required to request the document from them. Therefore, they sent an outdated form. As the consumer, I followed their directions based on the form that they sent to us. Now, they are requesting {$40.00} more, and it was their mistake to begin with. I find this response to be insufficient and definitely not in the interest of the consumer. If your company sends a form with the fee requested, and that form is sent back with the fee requested, they should not be allowed to increase the fee. That was their mistake, not mine. Further, they never once reached out to us to explain this issue, even after I called and they promised a callback. They ignored it and applied the {$150.00} to the principal. Now, they state that they have reversed it from the principal and are holding it and waiting for me to send them their " correct form '' with an additional {$40.00}. I find this inexcusable! They should be required to do the following : XXXX. Run the appropriate XXXX to remove the XXXX  based on the money they have now ( the {$150.00} ). XXXX. Remove the mortgage insurance. XXXX. Apply a principal credit for any mortgage insurance charged 30 days after receipt of the original {$150.00}, which is XX/XX/2024. This is the only resolution that is appropriate for this situation, and I hope that the CFPB agrees. Thank You!
Consumer complaint received 2023-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (AZ)

XXXX is a payment processing XXXX service by PayPal, enabling businesses to accept credit cards and electronic check payments on their websites. 
In early XXXX, I was contacted by Paypal to tell me there was carding fraud occurring with my XXXX account. Fraudsters were using automated tools or bots to test stolen card numbers by making small purchases to see if they work. This type of fraud is called carding. Once they find valid card details, they may use them for larger, unauthorized purchases or sell them on illegal marketplaces. 
Every time a fraudster makes a carding attempt using my website, I am charged XXXX cents. After thousands of carding attempts, my bill came to {$14000.00}. This is just for Paypal fees, not for fraudulent charges. Paypal did not lose any money for these carding attempts, they are merely charging {$14000.00} in fees. In previous months, I averaged less than five sales on my website and suddenly this number jumped to over XXXX. Logic tells us that Paypal should have seen the attempts and put a stop to it right away. 
In response to this, I had my IT person install programs on my website to stop the carding. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX were all initiated on XX/XX/year>. XXXX was installed on XX/XX/XXXX. Regular updates to definitions and settings were made through the month of XXXX. 
On XX/XX/XXXX, I noticed that Paypal had charged {$14000.00} to my credit card on file. Since this was fraud, I filed a dispute with my credit card company, XXXX. 
On XX/XX/XXXX, the website was brought down. XXXX  no longer exists. 
On XX/XX/XXXX, Paypal XXXX was discontinued, and the account was closed. 
Between XX/XX/XXXX and XX/XX/XXXX, many phone calls and emails were exchanged between me and Paypal regarding this matter. Since this was fraud, I expected Paypal to reverse the charge. Afterall, this outrageous bill is just for Paypal fees, Paypal did not lose any money over this. Paypal could have stopped the carding attempts but neglected to do so. 
On XX/XX/XXXX, I was notified that the charge would not be reversed and if I dont pay it, it would be turned over to collections. I repeatedly asked to speak to a more senior member of their staff and was repeatedly told I could not.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-14
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 writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and showing a late payment. Please provide proof of the late dates and update the status to current or paid as agreed. 

2. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and showing a late payment. Please provide proof of the late dates and update the status to current or paid as agreed. 

3. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Consumer complaint received 2024-10-14
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. (IN)

All three credit bureaus are reporting false debt on my credit report without my consent! I have settled debt and still have this negative report, causing me to not be able to extend my credit.