davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In going over my credit reports with the three credit bureaus I noticed that all three has my last name of XXXX. I have never had that last name nor do I know anyone with the last name of XXXX. This needs to be removed please. 

Second problem is I have been disputing XXXX XXXX with all three bureaus for XXXX XXXX. My accounts XXXX business and XXXX personal were closed by an in house mistak at XXXX XXXX that has never been repaired properly I do have an attorney and a suit will be filed if they cant get it right this time around. Those are not my XXXX  XXXX credit card numbers. I have never been sent them, activated them or used them. Yet they remain attached to my name. My three cards were paid off before the accounts were closed. In one of my disputes for XXXX XXXX removed it off of my credit report Now its back on under a collection agency 's name I would like to exercise my XXXX rule and ask that if these accounts cant not be verified as mine that they be removed altogether for all negative credit reporting. I do not own these accounts I have never signed for any of the them. I have signed for my XXXX which were closed. 

As my credit is being cleaned up you can see that XXXX found out that I paid long ago and they removed the account but my credit used to be great and then the second XXXX XXXX closed all three my credit report an XXXX went to XXXX overnight. This is not fair I need my credit cleaned because I have done nothing to deserve what XXXX XXXX is doing. 

There would be times when I had extra that I would make XXXX payments in one day to my XXXX  XXXX cards or the next day I would pay again and they had already closed my XXXX accounts in XX/XX/year>XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXXXXXX XXXX instead of honoring there buyers credit warrenty they choose to lock me out of my account that was disputed and then XXXX  started taking XXXX a month with out my connsent on a debt older than XXXX XXXX XXXX in MN. They breached the contract when XXXX out of XXXX orders from XXXX never arrived in the XXXX. They had me wait so long the 2 months was up to dispute. Now XXXX is lying to the credit reporting companys and it is XXXX XXXX. All 3 major reporting companys and I have reported them 2 or 3 times to each one.
Consumer complaint received 2024-10-11
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. (GA)

I am writing to formally dispute unauthorized hard inquiries on my credit report. Upon reviewing my recent credit file, I noticed these inquiries. I never gave consent for these creditors to perform a hard pull on my credit report.
Consumer complaint received 2020-09-20
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: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to formally request your assistance in resolving an issue with inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX ) regarding an auto loan that has been fully paid off. Despite satisfying this loan in full, XXXX XXXX continues to report the loan as unpaid/late on my credit report, negatively impacting my credit score and financial standing.

Credit Reporting Issue : The loan is still being reported as unpaid/late on my credit report.

Supporting Documentation : Proof of Payment : Attached is a copy of the letter from XXXX XXXX confirming that the loan has been paid in full. 

Title : I have also attached a copy of the title to the vehicle, which further evidences that the loan has been satisfied. 

I have made several attempts to resolve this issue directly with XXXX XXXX, but unfortunately, they have not corrected the reporting error. I am requesting that the CFPB assist in ensuring that XXXX XXXX updates my credit report to reflect the accurate status of this loan as " paid in full '' with a XXXX balance. 

This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to credit reporting agencies must be accurate and complete.
Consumer complaint received 2024-10-11
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)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

According to your website " Public Records Information If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, or visit XXXXXXXX XXXX XXXX '' I have attached a letter from XXXX stating deletion on the bankruptcies listed on my credit report 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. Chapter XXXX Bankruptcy Reference Number XXXX Chapter XXXX Bankruptcy Reference Number XXXX Chapter XXXX Bankruptcy Reference Number XXXX Chapter XXXX Bankruptcy Reference Number XXXX Chapter XXXX Bankruptcy Reference Number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing.

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NY)

XXXX XXXX XXXX has placed a Credit Collection Agency on me for a debt that was " Paid In Full " last XX/XX/2019. I have contacted XXXX XXXX XXXX Directly several times and they simply refuse to remove this amount owed, and have placed this with a collection agency. I then contacted all three ( 3 ), credit bureaus, XXXX XXXX, XXXX, and XXXX. XXXX XXXX was the only credit bureau agency that reviewed my submitted documents and rapidly removed the collection account from my credit report. I have submitted all related document necessary for this action to take place. e.g., Photo copies of my Government Issued Photo ID, Social Security Card, and Copies of United Stated Postal Money Orders as Proof of " Full Payment ". 

However, after submitting all this information to XXXX, XXXX, and XXXX nothing is resolved, I have several dispute case numbers and again nothing is resolved.

XXXX XXXX XXXX does not feel that a United States Postal Money Order Receipt of " Full Payment " is Valid. They have Rejected my filed disputes on Seven Different Occasion 's. I have spoken with their customer service department numerous times, and additionally, have send via, fax, snail mail, and document upload to their customer service department again, without any type of resolution to have them purge this false amount. With that said, additionally I have also provided the identical documents to all three ( 3 ), credit bureaus, and only XXXX XXXX Removed this false debt. I truly have had enough of this nonsense from XXXX XXXX XXXX, and the two remaining Credit Bureaus, XXXX, and XXXX. 

Moreover, this has had a drastic impact on my over FICO Score,  barring me from purchasing a home, and making me subject to outrageously high interest rates. 

In short, I continue to be penalized as a result of their incompetence. 
If a United States Government Postal Money Is Useless Then So is the money in everyone 's wallet, purse, cookie jar, or bank throughout the USA. 

I have been very patient awaiting a positive outcome to no avail, therefore I have taken the time necessary to write the Consumer Financial Protection Bureau and request a Formal Investigation of XXXX XXXX XXXX to Remove this from my credit report and verify that the amount due has been " Satisfied and Paid In Full ". 

In closing, I look forward to immediate resolution to this issue pending the results of your investigation. 

Thank You. 

Respectfully, MrXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
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. (NY)

Please remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I would appreciate a notification once this has been done. Thank you for your prompt attention to this importantmatter.
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (TN)

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.

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 2024-10-11
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. (GA)

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  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2024-10-11
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. (CA)

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 2024-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi, I have a debt collection reporting on my TransUnion consumer report, thats inaccurate.XXXX and XXXX both removed this assount.The company is XXXX, account number XXXXI have no knowledge of this company and its alleged debt.Ive never received any notification in the mail regarding this company and its alleged debt. Ive never heard or did business of any sort with this company.Ive never gave them permission to have my personal information or report anything on my consumer report.I ask that you investigate this matter and remove it from my consumer report immediately, its affecting my livelihood. Can you please ask this company to provide proof of this alleged debt and also provide proof that they followed proper procedure in notifying me of this debt via certified mail. If they cant provide proof, I ask that you remove it from my consumer report.Thank you
Consumer complaint received 2024-10-10
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. (WA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-05-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

In approximately XXXX of 2019 I applied for a loan modification from US Bank and they denied it. If we would have been able to get a loan modification we could have rented our property until it the market increased and then sold. The property is work $ XXXX more now than it was 2 years ago. We were denied the loan modification and forced to do a short sale instead of bankruptcy due to my husbands clearance. He had been XXXX  XXXX  from the military ( job loss ) and we had to move out of state for my husband to secure employment and went from a XXXX income family to a XXXX income family since I was a real estate agent and had to start over with my business. We now have a short sale on our record, can not use our VA Loan and have to pay back $ XXXX to ever use a government loan again.
Consumer complaint received 2024-10-10
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. (AL)

Consumer Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : XX/XX/scrub>XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion XXXX XXXX credit reporting agency, block 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. This fraudulent, inaccurate, and false information consists of many incorrect inaccurate accounts These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

During multiple disputes I have requested the deletion of these accounts since they appear as negative accounts when these accounts are settled. paid in full accounts paid in full : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.