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. (TX)

Complaint Against : TransUnion XXXX XXXX XXXX of Complaint : Violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate personal information ( incorrect names and addresses ). 

Description of Complaint : I am filing this complaint against TransUnion, XXXX, and XXXX for reporting inaccurate personal information on my credit report. Specifically, they have listed incorrect names and addresses that are not associated with me. This incorrect information violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must maintain accurate and complete information in consumer credit reports. 

Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputed information and correct or delete any information that can not be verified as accurate within 30 days of receiving a dispute. Despite my previous disputes regarding these inaccuracies, the agencies have failed to remove the incorrect names and addresses, which continue to appear on my credit report. 

Correct Information to be Reported : Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX, TX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
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. (PA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TRUIST FINANCIAL CORPORATION (VA)

In XXXX, The now XXXX XXXX, XXXX XXXX XXXX secured a personal residential construction loan to build a home. At closing, the HUD XXXX XXXX, showed she paid off the lot where the home was being built for {$61000.00} +. However, the XXXX paid off the lot for {$16000.00}. From XXXX XXXX insisted that I, XXXX XXXX XXXX XXXX contract to build her home, and I took her money, which she collects {$100.00} per month in restitution due to her false misrepresentations in XXXX XXXX XXXX XXXX and is still able to practice making residential mortgage loans at XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, in XXXX XXXX XXXXXXXX XXXX and XXXX XXXX ( XXXX XXXX ) the correct XXXX, did an Order of Dismissal in Favor of me ( XXXX ), however, the XXXX XXXX XXXX won't clear my Good Name or stop collecting restitution for a debt I do not owe. From XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX me that it did not have jurisdiction to make me quit my job or surrender any of my XXXX XXXXXXXX licenses, however, they have not provided any Orders of recompence or financial assistance that will assist me to get back on my feet. Please Investigate as my Civil Rights and XXXX XXXX XXXX are being Violated as a XXXX XXXX who has been improperly imprisoned, unlawfully seized, and have lost my home, personal property, and ability to perform work on XXXX XXXX and at the XXXX XXXXXXXX. 

Additionally, from XXXX, while employed at XXXX and now XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX small business and personal accounts that I had with XXXX and XXXX in XXXX XXXX XXXX XXXX XXXX XXXX sensitive data about me, including that I was going to receive Pension from my ex-husband 's XXXX XXXX XXXX XXXX XXXX well as stating that I had a $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX wasn't even aware that I had. This information was only accessible because she is an XXXX with access to systems that I know nothing about. She accessed my accounts and used my personal data without my expressed written permission and without my knowledge and did not disclose it to me but tried to use it against me to obtain additional money and property from me without the proper authority. This is a violation of a licensed residential mortgage bank loan XXXX 's code of ethics, policies and regulations.
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. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection/Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Name : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX WA XXXX
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. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
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. (MA)

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 2024-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I had a car addenct unexpecedly as my front car suddenly stopped and I hit the car in front of me, and the other car didn't have any damage, but my car was more damaged. I was threatened by the driver over the repair costs and forced me to transfer cash {$500.00} by XXXX after the car accdent, immediately even there is no etimate by car repair shop. The driver said the car 's owner were his girl friend. Before we left, we exchanged our information. After I came home, the driver texted me to ask more money transfer and paid for {$270.00} and {$700.00}. So I paid totally {$1400.00}. As I asked mom who said I found the scam and called to the XXXX and Bank of America to request stop payment on same day. However, the XXXX and Bank of America refused my request and won't get money back. You can see the bank of america refused to dispute {$970.00} on a letter with my attachment. XXXX told me not to reverse {$500.00} after I sent money. I have his phone number XXXX and car information. You can see the money paid and the car information on the attachment. Even if I go to the local police, they ask you to report. Please help me the money back.
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)

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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2024-10-17
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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. (MS)

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 2024-10-17
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX | DOB:XXXX XX/XX/year> Credit Bureau Subject : Request for Investigation and Correction of Credit Report Information. 

Dear Sir/Madam, I am writing to formally dispute the accuracy of specific information in my credit report, as provided under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. After reviewing my credit report, I noticed several discrepancies that I believe are inaccurate, incomplete, or unverifiable. The accounts in question are listed below for your reference : XXXX - XXXX In accordance with the rights granted to me under the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate the accuracy and completeness of all information associated with these accounts. If, after your investigation, the information is found to be inaccurate or unverifiable, I ask that it be promptly removed from my credit report. In addition, I would like to remind you of your responsibility to complete this reinvestigation within 30 days. Should you be unable to verify the accuracy of the information within this timeframe, I expect the immediate removal of these items, as required by law. Moreover, I request that you review the procedures used to report this information in the first place to ensure compliance with the standard of maximum accuracy required under 15 U.S. Code 1681e ( b ). 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

I have been checked my credit report and I see a couple of things in my credit that I did not recognize. 
01- date XX/XX/XXXX XXXX XXXX XXXX XXXX total amount {$5200.00} 02- Date XX/XX/XXXX XXXX XXXX total amount {$600.00} 03- Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX total amount {$2100.00}
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. (IL)

TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion XXXX Department, I am writing to dispute XXXX fraudulent accounts that appear on my credit report : XXXX. 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 XXXXXX/XX/XXXX I have never conducted any business with these companies, nor have I authorized them to report any accounts on my credit report. These accounts were opened without my consent and are fraudulent. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding these fraudulent collection accounts. Please investigate this matter and remove both accounts from my credit report immediately. 

I appreciate your prompt attention to this issue and request written confirmation once the accounts have been removed.
Consumer complaint received 2024-09-25
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. (NY)

I am writing to you as the holder of XXXX XXXX account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,