davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of hard inquiries I do not recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and XXXX Police Report Number ( XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (MD)

I contacted Transworld Systems Inc for an account that was in their office on XX/XX/2020 in the amount of {$920.00}, At that time I paid the account in full in the amount of {$920.00}. The representative that I spoke with XXXX XXXX stated that once the account is paid I will receive a paid in full leatter on XX/XX/2020 and the credit report will be updated on XX/XX/2020 in which this account would be Deleted from my credit file. The account is still showing on my credit report. The balance is {$0.00} but, the account should not be showing on my credit file. 

Thank You,
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hi, I sent letter requesting the original instrument of indebtedness for this account as it does not belong to me. Please provide Method of Verification and Validation of Debt for this account. In addition, the balance would be XXXX if the account was valet so there would be an error and not accurate. 

XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (NV)

I requested a payoff amount from Wells Fargo Auto on XX/XX/XXXX on a personal vehicle loan. 
On XX/XX/XXXX I received a letter with the required amount {$11000.00} effective XX/XX/XXXX, any additional day would incur a charge of {$1.00}. 
I sent a personal check for {$11000.00} to account for a few extra days for mailing. 
On XX/XX/XXXX my bank paid check # XXXX for {$11000.00} to a Wells Fargo account number XXXX of XXXX, Colorado. 
On XX/XX/XXXX WF Auto credited my account twice, once for {$460.00} and the other one for {$9700.00} and created a due balance of {$990.00}. 
A {$1000.00} is missing from the amount paid by me and as of XX/XX/XXXX the bank does not want to answer any questions about the whereabouts of that amount or the title of the vehicle. 
I spent over a week trying to get someone on the phone. When I was able to talk to someone I encountered a rude, obnoxious woman who told me that the bank only received a {$10000.00} check, that there was a balance due and if did not want to pay it the bank would repossess the vehicle and that was it. 
I called several times and finally I was able to talk to a woman that told me that she would sent my file for an EXECUTIVE REVIEW and I would be able to get a quick solution to my problem. 
Two weeks went by and never heard anything from the bank. I called again on XX/XX/XXXX and after a 45 minute wait a man came on the line, told me he was from the executive office, they had reviewed my account and the finding was that I had ONLY paid {$10000.00} and had a balance due of {$990.00} that needed to be paid if I wanted to get the title of the vehicle. 
When I asked him what happened to the extra {$1000.00} that WF Auto had collected from me he said he did not know anything about that. 
I told him that I had a copy of the cancelled check, the number of the account the money went to and my bank statement showing the paid check he told me to send it to the bank, they would look at the items and it would take up to 60 days to get a decision. If I were right the title of the vehicle would be released in about 15 days after the verification of payment. 
Coincidentally in 60 days is when the next payment is due, which I am NOT going to make, and if I do not pay that amount the bank would proceed to repossess the vehicle, since it is the legal owner and have the title, and would have scored a great deal : {$11000.00} in cash, a fabricated balance due of {$990.00} plus about extra 90 days of interest and a XXXX XXXX XXXX XXXX worth about {$10000.00}. 
NOT A BAD DEAL FOR A SIMPLE THEFT. 
Besides that I was injured by the bank, their actions caused me to lose the sale of the vehicle since I could not get the title and the buyer withdrew the offer thinking that I was trying to steal his money.
Consumer complaint received 2024-10-02
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2020-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The below information is reporting to my credit, there is a total of 4 accounts that either need updated or removed from my credit report. One account is my car loan, and it is my account but is not reporting the correct payment history, and the other three accounts do not belong to me at all. All details of these accounts are below and the details as to what is being reported to my credit report. 

XXXX : is my car loan, but I have never been late and I want these late ( s ) removed from my credit report. 

XXXX XXXX XXXX XXXX : this account doesn't belong to me, please see all details below XXXX XXXX : this account doesn't belong to me, please see all details below XXXX  : this account doesn't belong to me, please see all details below XXXX Opened XX/XX/XXXX Balance {$21000.00} Payment {$520.00} Account # XXXX XXXX, This is my account, but I was never late on my payments, the late are below that they are reporting to my credit all three credit bureau XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect Info XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$470.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX  Opened XX/XX/XXXX Balance {$260.00} This account doesnt belong to me Account # XXXX Type of account CREDIT CREDIT
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand

that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and
made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-10-03
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)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights.U.S Department Education - XXXX U.S Department Education - XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX .After reviewing my credit report from all three credit bureau XXXX and noticed some things are incomplete, and not accurate. In Accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report.After investigation the credit bureau state my account was properly investigated, But how is that possible If the date last active is inaccurate, No. of months ( terms ) is inaccurate along with other inaccuracies and inconsistency. This Is ground for removal and also a violation under 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 : States A Consumer Reporting Agency CAN NOT Furnish A Account Without My Written Instructions
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

For the past year I have contacted Transunion and XXXX  with letters on inquiries on my reports that I did not authorize. I know that they are supposed to respond within 30 days and I had certified mail and I never got a response. These letters were sent off XX/XX/2020. In addition to the letters that I sent I also was on the phone several times and spent numerous hours waiting and getting hung up on. They did not want to a dress removing this information like ages didn't matter and it is affecting my ability to be able to acquire the credit that I want to acquire and I need these items removed.
Consumer complaint received 2020-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (UT)

Collection Bureau of A- XXXX - is reporting on my credit and attempting to collect a debt that I do not owe. I don't owe this nor have I ever signed anything or received anything and this looks like it is old and past the statute of limitation.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint mortgage servicing has repeatedly attempted to charge me of unnecessary property insurance coverage. They are well aware that insurance is in place and this information has been provide to them repeatedly. Yesterday, XX/XX/2020, I was notified of the company 's intent to charge me {$1500.00} for hazard insurance retroactively, even though a policy is already in place which names them. 

Shellpoint mortgage servicing has failed to pay for property insurance or property taxes out of the impound accounts all though more than sufficient funds are available. 

A review of the XXXX XXXX XXXX reveals 210 complaints of a similar nature.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

Hello sir and madam Good day despite of having corona virus pandemic My name is XXXX XXXX card holder of amex, and a XXXX XXXX  The last time i was claimed about refund for my flight, it was charged to my amex and i booked the flight in amex travel using my amex card. 
My flight was cancelled by airline due to corona virus issue and they emailed me that reimbursement from amex travel will be on process. 
I was waiting from amex to give credit for refund but its been more than a month, despite of calling the customer dept.of amex and the amex never return the money and kept charge me for the interest as well because of balance. 
Kindly help me to refund as soon as possible the airline charges to avoid interest I appreciate your help Im a XXXX XXXX  of XXXX XXXX XXXX
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (VA)

Good Morning, On XX/XX/2020 I tried to receive my free annual credit score from XXXX, XXXX, experion, and XXXX. I was unable to receive it due to not being able to confirm my identity despite using the correct information.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Hello and good day, please read this complaint carefully as this has brought me tremendous stress and resulting on my new credit applications being rejected due to your negligence. This is unacceptable and a clear violation of my rights as a consumer as you have breached and violated my right to privacy, I never gave permission for this information to be reported on my credit report. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

Good Morning, On XX/XX/2020 I tried to receive my free annual credit score from Equifax, XXXX, XXXX, and XXXX. I was unable to receive it due to not being able to confirm my identity despite using the correct information.
Consumer complaint received 2020-05-19
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. (AR)

I pulled my credit to myself for the firstime in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY FILED {$0.00} CHAPTER XXXX DISMISSED {$0.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$790.00}
Consumer complaint received 2020-05-19
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: Experian Information Solutions Inc. (AR)

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$540.00} XXXX XXXX  XXXX {$180.00} XXXX  XXXX   XXXX {$450.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX {$660.00} XXXX  XXXX {$950.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX/XXXX  XXXX {$18000.00} XXXX XXXX XXXX {$60000.00} XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (OH)

I have 11 out of 12 Hard inquiries that I have never signed any paper for.

Someone has used my social security to apply for these inquiries.

under FCRA I asked for the necessary information to prove that I I have signed paperwork with that company and theyve never responded.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-02
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. (FL)

The following account kik off is showing that it has been removed and it isn't I am asking that you kindly remove XXXX  XXXX and XXXX  XXXX for these accounts are fraudulent and doesn't belongs to me. I never authorized any lender or suspect to open the account. Their are addresses that are showing on my report that I never lived at before please remove from my report.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they have been unable to provide it. Further, they are reporting an account open date of XX/XX/XXXX but the actual death occurred before XX/XX/XXXX Per the document that they provided. It is my understanding that Credit Card Debt has a statute of limitations of 4 years. Per the document they provided from XXXX XXXX the actual debt is over four years old but they are reporting it on the credit report like the debt began in XXXX.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (TX)

The company is Affirm I paid a third party a company call XXXX and a company call XXXX XXXX in full. Affirm is still showing on my credit report like I still owe the money and refuse to change the status of all three accounts.
Consumer complaint received 2024-10-02
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 Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.