davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is currently reporting a 30 day late status for XX/XX/2019 on XXXX   and TransUnion. My home was sold and the mortgage company was paid in full.
Consumer complaint received 2024-09-10
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. (MO)

To Whom It May Concern : I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX  ). Account ( XXXX XXXX ). Please provide detailed descriptions of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an update credit report to the address stated above. Thank you. Sincerely XXXX XXXX
Consumer complaint received 2020-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MI)

XXXX, XXXX  and Experian not responding properly to false and incorrect information on my credit report that is related to XXXX XXXX loan. My address has been the same for 7 years and the address I use on my IRS tax forms so that neither XXXX   XXXX  or Experian can use the excuse that my address doesn't match when it does in fact match and they have mailed me copies all three of them recently of my credit report. There is incorrect information that is inconsistent across all three bureaus and I am disputing and taking to court XXXX for their illegal practices and contract violations. The credit bureaus need to ensure that when a company submits data they are doing so accurately. With XXXX auto loans all they would have to do is look at my original loan contract and they would see that XXXX is falsifying documents and lying about the information. For example my loan was only a 72 month loan and documented on a contract. However, all 3 credit bureaus report the loan length at 80 months. Also, the account has not been charged off but paid in full. Dates, term amounts, amount owed and status are all inconsistent across all bureaus. The credit bureaus need to validate their source of information. I want all documents associated with XXXX XXXX XXXX that each bureau has recieved to validate the debt, sent to me within 30 days. 

If the credit bureaus can not validate the information they have to report the data on my report my next step will be legal action.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have a mortgage with XXXX XXXX that has been open since 2003. The account is in my name, XXXX XXXX, and XXXX XXXX 's name. XXXX recently filed bankruptcy. The XXXX account was not included in his bankruptcy. I did not file bankruptcy and never have. XXXX XXXX has since started reporting to the credit bureaus that the account was closed and paid off. It was not closed and has not been paid off. XXXX has stated in numerous phone calls that I am still responsible for the monthly mortgage which I have still paid each month even though its not reporting on my credit. I was in the process of refinancing and now can not do that because they have showed this closed on my credit reports. I have tried disputing it with the credit bureaus and am not getting any resolution that way. I have had numerous phone calls with multiple people at XXXX and they will not resolve this. I have documents that they send each month for me to pay and proof that I have continued to pay each month. I just need XXXX to report to the credit agencies that this is still an open account for me, that it has a balance due, and that I have continued to pay it each month on time.
Consumer complaint received 2024-09-10
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. (TX)

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 Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX I looked at my XXXX credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Computer Credit, Inc. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX charged me for hospital, ER, and emergency department services on XX/XX/2020. I was no where near XXXX XXXX XXXX XXXX or ER on XX/XX/2020. The charges are fraudulent. XXXX XXXX 's is sending me threatening notices. The services I did receive on XX/XX/2020 were at XXXX XXXX 's XXXX XXXX XXXX XXXX no where near the hospital ) and all those services were paid 100 %.
Consumer complaint received 2024-09-11
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-10
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. (FL)

The account is with : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX This account was paid off XX/XX/year> and reported to all XXXX credit reporting agencies on XX/XX/year>. However, non of them have updated my credit report as of yet. I filled a dispute with all XXXX on or about XX/XX/year>. All XXXX credit reporting agencies responded that the account balance was correct on or about XX/XX/year>. I provided a copy of the account paid in full letter on or about XX/XX/year>. 

I XXXX XXXX XXXX and after checking their records they confirmed that they had reported the account paid in full on XX/XX/year>. They also advised me that I should file this complaint. 

All XXXX credit reporting agencies are very difficult to file disputes with and impossible to get on the phone!
Consumer complaint received 2024-09-10
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX - Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$3600.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Balance {$1900.00} Date opened XX/XX/XXXXXXXX XXXX XXXX  XXXX - Balance {$640.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXXXXXX 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
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (PA)

Step 1 : What is this complaint about? 

Experian will not let me complete a tenant credit and background check for my landlord that I need to secure housing. I have called them and it is impossible to find a human to explain the situation to. None of their menu options have helped this problem. 

Step 2 : What type of problem are you having? 

https : //connect.experian.com/tenant-screening/tenant-credit-check.html Experian does not let me complete this form that I need to secure housing. They are inaccessible via phone and email. This opacity is unacceptable. I need to speak to a human to fix these problems but none are available to speak to. 

Step 3 : What happened? 

I froze my credit with all three credit bureaus after the data leak years ago in XXXX. Months ago, I unfroze my credit with XXXX  and XXXX  online. This process was easy and painless. Experian required me to send information to them via mail to verify my identity. I did this, and never heard back from them. I am not sure whether my credit is still frozen with them and I have no way of checking. I am unable to secure housing for myself because of this. The opacity of this company is preventing me from solving the problem. I need to speak to a human representative at Experian to solve the issue and none are available. I have tried for many hours. 

Step 4 : What company is this complaint about? 

Experian Step 5 : Who are the people involved? 

My prospective landlord, me, and Experian.
Consumer complaint received 2024-09-10
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)

On XX/XX/year> I had a fraudulent XXXX XXXX account removed from my report however there is an inquiry from that account on my report.. please remove this hard inquiry from my report attached is my ftc report and police report as it relates to that account and inquiry..
Consumer complaint received 2024-09-10
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. (GA)

XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX I need to attend the following shown items in this letter high contains data taken directly from my credit report which you have provided. 

Delete these unconfirmed inquiries lacking certificate evidence unless fisically certified verified proof is demonstrated per US CODE 15 U.S.C Section 1681 ET SEQ. Section 604 of fair Credit Reporting Act. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2024-07-25
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. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-24
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (IL)

In XXXX I refinanced my mortgage loan with TCF Bank. In XXXX TCF sold my loan to XXXX ( XXXX XXXX XXXX ). When I received loan documents from XXXX  a ( redacted ) trust affiliated with XXXX XXXX  was listed as lien holder. After TCF Bank sold loan XXXX or XXXX changed my monthly payment. They also changed my loan from non-escrow to escrow. On XX/XX/2020 I requested original loan documents from TCF Bank and was told they were sent to XXXX.
Consumer complaint received 2024-09-10
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX - Balance {$390.00} XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance {$370.00} Date opened XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance {$220.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance {$5800.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  - Balance {$1200.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-10
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is absolutely frustrating, it's stressing me out for so long. These items you are reporting are already deleted by both XXXX and XXXX because they are INACCURATE, FALSE and UNVERIFIABLE and yet, you continue to put this on my credit, negligently and non-compliant, you have been ignoring my repeated requests to correct and remove these on my credit. This has already negatively affected all aspects of my life.
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NJ)

On XX/XX/2020, I signed a lease contract with Audi Financial Services ( " AFS '' ) to lease a vehicle for 36 months. The contract stated an agreed monthly payment stream of {$510.00} for the 36-month lease period. My cash due at signing was {$4000.00}, this included my first month payment of {$510.00} for XX/XX/2020. On XX/XX/2020, I received an email from AFS notifying me that my next monthly payment for XX/XX/2020, is {$510.00} instead of the negotiated monthly contract of {$510.00}. I proceeded to look into my account history with AFS and noted that my previous XX/XX/2020 payment was also drawn at {$510.00} instead of the {$510.00} negotiated contract payment. The Audi dealership and AFS were both contacted at multiple instances once this error was discovered ; however, they were unable to resolve the issue although they confirmed my lease contract documents did note a monthly payment of {$510.00}. On XX/XX/2020, I made aware to the individuals from Audi that I am currently employed as a XXXX XXXX   XXXX XXXX XXXX XXXX  and what they were doing was illegal. In addition, I told the individuals that I would be filing a formal compliant with CFPD.
Consumer complaint received 2020-06-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$4500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.
Consumer complaint received 2024-09-10
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. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2020-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

An XXXX  user reached out to me via XXXX claiming he was a XXXX XXXX. We began talking and when I said I was interested in investing, said he would send me some money to get started with it. He sent me two checks for {$2400.00} via email. One on XX/XX/2020 and one on XX/XX/2020. I had decided against using the funds both times and he had me send the money back through XXXX, XXXX, and XXXX. XXXX XXXX was the name on both XXXX and XXXX that they had me send the money to. The email for " XXXX XXXX '' is XXXX. The email he sent the check through was XXXX. I have filed disputes through XXXX, XXXX, and my bank, PNC. I have not heard much back yet, but PNC has made it sould like a dispute is not likely. I am very frustrated because I am a young XXXX  XXXX and that aspect was prayed on. I am now in even more debt because of it. The company on the check is named " XXXX XXXX XXXX. '' I spoke with them on the phone and they did in fact assure me that is they were fraud checks.