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. (NY)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2024-10-17
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. (VA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX 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 XXXXXX/XX/year>
Consumer complaint received 2024-09-24
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. (FL)

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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
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. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

This company has violated several federal statutes within the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain the following : XXXX information solely as to transactions or experiences between the consumer and the person making the report XXXX any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Therefore, my credit card accounts that show balances are a violation of the FCRA and must be removed immediately. 

These account should not show the amount of credit I have been extended or approved for. 

The following account balances shall be removed immediately : XXXX. XXXX XXXXXXXX XXXX USA XXXX XXXX XXXX XXXXXXXX XXXX USA XXXX XXXX. XXXX XXXXXXXX XXXX USA XXXX XXXX. XXXX FED CREDIT UNI XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-17
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. (IN)

I am contacting you to formally dispute the appearance of a bankruptcy on my credit report. I have in my possession a letter from the court, which clearly states that this bankruptcy should not have been reported to your agency. This documentation provides official confirmation that the bankruptcy is not valid for reporting, and yet it remains on my credit file, which is both frustrating and concerning. 

Furthermore, the involvement of an unauthorized third party in this matter is deeply troubling. This factor raises significant questions about the accuracy and security of my credit report, compounding the seriousness of the issue. It is imperative that this error be addressed immediately to correct my report and prevent any further harm to my credit standing.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the ongoing inaccuracies in the disputed accounts listed on my credit report. Despite multiple requests for thorough investigations into these errors, I have not received a satisfactory resolution. The presence of these erroneous accounts is severely damaging my credit score and affecting my financial stability. 

The negative impact of these inaccuracies has caused significant hardship in my life, and I urgently request your assistance in conducting a comprehensive investigation into each disputed account. It is essential that my credit report is updated and corrected without further delay to restore the accuracy and integrity of my financial records. 

I kindly ask that you give this matter your immediate attention and take the necessary steps to resolve it promptly. Your cooperation in this matter would be greatly appreciated, and I look forward to your swift action. 

Thank you for your understanding and support.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following account : XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$800.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Account number : XXXX Balance : {$800.00}
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)

1mmediate removal of the charge-off status and all related delinquency marks ( 30, 60, 90, 120, 150 days past due ) from my credit report, as this information is inaccurate and disputed. 

Verification and correction of the account balance, ensuring that it accurately reflects any legitimate payments made or amounts owed. 

Investigate the previous dispute and reinsertion of incorrect information, ensuring that no further reporting violations occur. 

Notify all credit bureaus ( XXXX, XXXX, and TransUnion ) of the corrected account status and provide written confirmation of the investigation and results.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information XXXX. DPT EDXXXX {$3700.00}, XXXX {$310.00}, XXXX {$1600.00}, XXXX {$1600.00}, XXXX {$520.00}, XXXX XXXX {$2200.00}, XXXX XXXX {$16000.00}, XXXX XXXX  {$3300.00}, XXXX XXXX {$210.00}, XXXX XXXX {$840.00}, XXXX XXXX  {$740.00}, XXXX XXXX XXXX {$160.00}
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (PA)

Navy Federal Credit Union has charged overdraft fees, eventhough the money was available. If I has XXXX XXXX in the account, and used XXXX a day Monday through Friday, the available amount would reduce so I knew what was available, but if I used XXXX more than the XXXX, they would charge XXXX dollars for each XXXX dollar charge, eventhough the money was available for those purchases, they would also charge for XXXX XXXX usages as well. When we spoke of it they explained that it was how the system performs, they could not change how the system determines overdrafts fees and insufficient fees
Consumer complaint received 2024-09-24
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)

I am writing to file a formal complaint against Experian for failing to remove fraudulent accounts from my credit report, despite being advised that these accounts are the result of identity theft. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts are listed below XXXX XXXX XXXX As required by the FCRA, Experian is obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. However, they have failed to do so in this instance, continuing to report accounts that are fraudulent. In addition, under the FDCPA, I have the right to request verification of the debt, which Experian has not provided in a timely or adequate manner. 

To resolve this issue, I am formally requesting that Experian provide, within 15 days, the following : XXXX. The name of the person spoken to regarding this matter. 
XXXX. All documentation used during the investigation. 
XXXX. A copy of any signed application with a wet signature associated with these fraudulent accounts. 

I want to be clear that I am not requesting an e-OSCAR or automated response. If Experian can not provide this documentation, these items must be immediately removed from my credit report, as they are in violation of both the FCRA ( 15 U.S.C. 1681i ) and FDCPA ( 15 U.S.C. 1692g ). 

Failure to comply will result in further legal action to protect my rights as a consumer. I appreciate your prompt attention to this matter and look forward to a resolution.
Consumer complaint received 2024-10-17
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. (PA)

I found unauthorized inquiries on my credit report today, and I have no idea how they got there. I usually check my report without any problems, but now there are discrepancies that appeared out of nowhere. I tried refreshing my browser to see if it was a temporary issue, but the unauthorized inquiries are still there. Please investigate the documents I've sent carefully so that I can finally put this issue to rest and stop feeling frustrated.
Consumer complaint received 2024-09-24
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. (AL)

Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living
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. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX Debt XXXX  and would like for all listed accounts to be blocked and deleted company information XXXX, Transunion AND XXXX Please delete the following accounts. XXXX XXXX XXXX bal. {$2000.00}
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/year> experian sent me an email indicating that they are ignoring the evidence and complaint that i sent them and they will continue to break the law, continue to ignore federal and state law. I made them aware of fraudulent and inaccurate information on my credit report. instead of removing the fraudulent information from my report they contacted the entities or individuals that have obtained access to my credit report fraudulently and illegally, failed to provide any documentation, disclosures, dates, names or any documentation showing that i gave them consent to obtain access to my credit report which is illegal.
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. (GA)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.