davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
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. (NY)

PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2016-01-20
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (MS)

In 2015, I was approved to purchase a house. I never made this purchase. In XXXX of 2015, I decided to contact my current mortgage holder in regards to refinancing. I spoke with XXXX of Nationstar mtg. I was told it would n't be a problem and passed along to the closing coordinator XXXX XXXX XXXX XXXX. A couple weeks later I was contacted by the closing coordinator and told that we would be closing at the end of the month. I then asked the closing coordinator if I needed to continue making my mortgage payment, and she stated that there was no need to continue making payments and depending on exactly what day we closed I could possibly have two to three months before the first mortgage payment would be due on the new loan. I was eventually contacted by XXXX and asked why have I not made my mortgage payment. I explained to her the conversation that I had with XXXX XXXX, to which XXXX responded that this would probably keep me from getting the loan and that XXXX XXXX must be new and did not know any better. Since that conversation I have tried contacting XXXX XXXX and XXXX XXXX and I can not get them to answer the phone and they will not call me back. Now I have tried to get reapproved to purchase another house and I can not get approved due to the current late payments on my credit report.
Consumer complaint received 2022-02-08
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: ALLY FINANCIAL INC. (OH)

on XX/XX/2021 a unauthorized hard inquiry occurred without my permission from a Ally financiallocated in XXXX, MN. I have not been applying for a car in XXXX, I live in XXXX
Consumer complaint received 2024-06-25
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)

I am writing to dispute the inaccurate reporting of fraudulent account on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the account would be promptly removed.

I have previously sent a request for debt validation for several item listed on my credit file. However, I have recently received a response proclaiming the debt has been verified. I request a reinvestigation per FCRA 611 and that proper method of verification also be included with your response. 
Moreover, XXXX and XXXX no longer reports this account on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting this account on my report by your bureau. 
XXXX XXXX.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, 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.

has violated my rights. Or 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 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-06-25
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. (LA)

After reviewing my credit reports, I noticed a collection with XXXX XXXX XXXX XXXX XXXX XXXX I do not have any contractual agreement in place or do I know who this collection company is I requested that validation from all three credit bureaus XXXX and Transunion. XXXX investigated the account in question and removed it from my credit file. I then sent a copy of the investigation results to XXXX and Transunion. Under the FCRA all bureau must be reported the same. If credit bureau to be in accurate, then all bureau must do the same, XXXX and Transunion has refused to remove the account has not provided any proof that I had a contractual agreement with this Collection agency
Consumer complaint received 2024-06-25
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-04
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. (SC)

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, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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.

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 : t 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, other than the 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 reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.
Consumer complaint received 2024-06-25
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. (KS)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-06-25
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 sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received a letter from Capital One that I was definitely not able to believe it was true and honest Im wrongly accused of something that I havent been told. I have spoke with XXXX Capital One representatives and warned them they would have a problem with the issue of allowing an unauthorized impersonation criminal cause me to loose my accounts over the years and be held responsible for not being about to take advantage of the data breach I qualified for. 

Right now, CAPITAL ONE REFUSES TO DELETE THE PHONE NUMBER THAT WAS HIJACKED FROM ME, XXXX My last activity and ownership of this phone number when it was open and current on my care was XX/XX/year>. After this point. I can not confirm the identity or status associated legally with my name and address. Or any other information that is relevant to this phone number. I have repeatedly asked for the number to be updated and have applied for secured account and had to submit the information with 2 different Capital One Fraud Representatives.
Consumer complaint received 2024-06-13
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. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2015-03-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (MO)

A debt collection agency named Sunrise Credit Service repeatedly robo-calls me from various numbers. I tell them I 'm not the person they 're looking for, ask to be removed from their list, and they say they do not keep a list. They will stop calling for a few weeks and then begin again. I have told them repeatedly that I am not the person they 're looking for but they keep calling.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2024-06-25
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. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-06-25
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)

PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coinbase, Inc. (NC)

I received an email from XXXX and XXXX, which said this : Call for Dispute & Cancellation : XXXX ( XXXX ) XXXX Payment of {$690.00} for XXXX Purchase from Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX New Invoice {$690.00} Due on XX/XX/2023 Pay Invoice Invoice # XXXX XX/XX/2023 Customer XXXX XXXX Additional Recipients XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Download Invoice PDF Invoice summary XXXX XXXX {$690.00} Payment of {$690.00} for XXXX Purchase from Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX Subtotal {$690.00} Total Due {$690.00} Call for Dispute & Cancellation : XXXX ( XXXX ) XXXX Payment of {$690.00} for XXXX XXXX XXXX Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, OH XXXX United States Please contact Call for Dispute & Cancellation : XXXX ( XXXX ) XXXX Payment of {$690.00} for XXXX Purchase from Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX about its privacy practices. A paypal logo appears at the top of the email. My family does not have a XXXX account. We have never sought purchase of bitcoin. I do not know what this email is suggesting, but we have attempted to purchase nothing for {$700.00}. This is fraud. I called the listed phone number. The person on the phone asked me to go to XXXX  and download software. I refused and told them I would report to the ftc.
Consumer complaint received 2022-02-08
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. (NY)

I received a copy of my credit report and found the following items to be in errors. The FCRA section 611 state if a consumer finds errors, inaccurate account or can not be verified on their credit report the credit reporting agency must remove the account.
Consumer complaint received 2022-02-08
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. (PA)

Amount 2,500 is being stated on my credit bureau that is owed to XXXX XXXXXXXX XXXX XXXX XXXX this information is incorrect. That amount was fraudulently placed by a employer who scammed me for the funds I was unaware the employer paid me for my services with fraudulent funds that was later deposited into my checking account. I had no knowledge the funds was fraudulent and later filled a police report, reporting the employer was a scam and taking advantage of there employees. XXXX XXXX XXXX has refused to remove this account from my report and has negatively impacted by credit with all three credit reporting agencies
Consumer complaint received 2024-06-25
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)

The accounts listed below are charge off and/or closed accounts that are continuously updating inaccurate information each month. A charge off account should NOT have any active payment history. The information reported falsely manipulates the statute of limitations. 

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 U.S.C. 1681c.

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. 

ACCOUNTS # XXXX XXXX >>>>>> PLEASE DELETE # XXXX XXXX >>>>>> PLEASE DELETE # XXXX XXXX >>> PLEASE UPDATE XXXX XXXXXXXX XXXX XXXX XXXX PLEASE DELETE # XXXX XXXX XXXX XXXX XXXX PLEASE DELETE
Consumer complaint received 2019-07-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. 
Get rid of this bankruptcy status as soon as possible and notify me when its done so that I can go ahead and apply for the things I have to apply for.. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CULLEN/FROST BANKERS, INC. (TX)

I stayed at the XXXX XXXX XXXX XXXX XXXX on an extended stay with a charge of {$120.00} per night from XX/XX/XXXX through XX/XX/XXXX. 

Over the course of this time, more than {$6000.00} in unauthorized charges were assessed onto my debit card by XXXX XXXX, XXXX XXXX XXXX. Most recently, I used my XXXX XXXX points to stay the last 10 - 12 days. XXXX XXXX, received over {$400.00} per night from my points and I was guaranteed a {$0.00} balance due for these days. However, I learned that after we checked out again without authorization or a balance due of any kind he drained my bank account of all but {$210.00}. Today, my balance is {$0.00}. He charged in total for the entire stay, over {$50000.00}, of which at least {$6000.00} was unauthorized. 

I have reported this to my bank and have also copied my bank on my email to XXXX XXXX asking for him to immediately reverse the most recent charge, which happened after my XX/XX/XXXX checkout. 

He has not responded.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I have XXXX collection accounts from XXXX XXXX for payday loans, I have never had a payday loan and they refuse to correct it. I have asked for them to fix this and remove the incorrect information, but all they say it was verified. This is not possible since I never got a online payday loan.