davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been sending disputes over the last six months in order to have some inaccurate accounts deleted from my credit report. To give them credit they have deleted most of the accounts so Im grateful for that. However, there is still an account remaining that is inaccurate. I disputed the account in question last month but it wasnt deleted or updated to never late. All 3 credit bureaus are reporting different information for the same account which is a clear violation. Also, XXXX has determined my account to be reported as never late. This is all my proof for the account needing to be fixed immediately. Its extremely important for me to have this matter resolved as my credit score has been holding me back from moving forward in life.
Consumer complaint received 2024-08-06
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-10
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. (TX)

I have submitted complaints to Experian regarding an entry on my credit report that is incorrect, as well as violations of the UCC and FCRA Regulation Z. Experian did not investigate my issues, did not provide me with any proof how they investigated them, merely stated that the entry was verified. 
I did not request that it be verified. I requested VALIDATION. In order to validate they would have to investigated and require proof from the company that is reporting. They did not. So now I believe Experian is now in violation as well. 
I tried to resolve this myself, and all I received was a phonecall from the company, when I requested resolution in writing. 
I discharge the amount owed on the account XX/XX/2018 and have proof I did. Not only did they not remove the item from my credit report, but there is still an open lawsuit which they refuse to move forward on, leaving my life and finances in limbo. 
They refuse to help me, they refuse to INVESTIGATE, I believe because the creditor is their customer, I am not. This is against my rights in disputing errors.
Consumer complaint received 2024-08-06
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX Balance : {$5700.00} XXXX XXXXXXXX, XXXX XXXX XX/XX/2022
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

formally dispute several items on my credit report. This letter serves as my third request for assistance with these disputes, and it is being filed with the Consumer Financial Protection Bureau ( CFPB ) for further disposition and arbitration in accordance with consumer protection laws.
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Santander Consumer USA Holdings Inc. (NJ)

Santander bank still is reporting negative items on me wrong info and it sold the car it shouldnt be on my credit reports all 3 credit agencies are reporting it shared info that I never gave to them the car was repoed voluntarily because of my illnesses. Iam on ssdi I reported this this should be off my credit report for false information and for sharing my info to companies to just mentally make it worse for me. Something has to be done we need to do something with the guy in the White House that are for the rich corporations going after the weak and vulnerable.. XX/XX/2015 its 5 years old and its bull that the buearus are sticking up for Santander Bank XXXX Its illegal but we know the rich can do illegal stuff and get away with it..
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/XXXX - Ordered an XXXX at XXXX from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX and was dropped off ( XXXX XXXX XXXX XXXX ) 15 minutes later - Fell asleep and woke up around XXXX to realize phone was missing - Used Find my XXXX app on roommates laptop and phone pinged in XXXX parking lot in XXXX XXXX had not checked wallet at this point - Fell back asleep until XXXX, woke up to check wallet and realize debit card and credit card were missing. Checked bank accounts and both checkings and savings accounts were compromised - Reported claims to Chase o {$500.00} withdrawal from Chase ATM ( XXXX XXXX XXXX XXXX ) Withdrawals made between XXXX XXXX o ~ {$4900.00} withdrawals from various XXXX in XXXX XXXX XXXX XXXX XXXX made between XXXX XXXX XXXX XXXX XXXX XXXX Withdrawals made between XXXX XXXX XXXX XXXX XXXX XXXX Withdrawals made between XXXX XXXX XXXX XXXX XXXX  Withdrawals made between XXXX XXXX XX/XX/XXXX - Given provisional credit for 1st claim - ~ {$450.00} of {$5400.00} total XX/XX/XXXX - Given provisional credit for 2nd claim - {$500.00} of {$5400.00} total XX/XX/XXXX - Police report filed with XXXX Police Department XX/XX/XXXX - Initial claim of {$4500.00} was denied by Chase - Appeal is filed XX/XX/XXXX - Appeal on claim for {$4500.00} is denied by Chase XX/XX/XXXX - Claim for {$500.00} is overturned and denied - Claim for {$450.00} is overturned and denied XX/XX/XXXX - Visit Chase branch and was told that the police report is not enough evidence to file an appeal on denial decisions
Consumer complaint received 2024-09-13
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. (NC)

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protection consumers rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 furnish written instructions.

15 USC 1681 ( C ) ( a ) ( 5 ) section States no customer reporting agency may make any consumer reporting containing any of the following items of information any other advice item of information other than recording recordings of eviction convictions of crimes which the reporting by more than 7 years 15 U.S.C 1681 2 ( a ) ( 1 ) A person shall not furnish any information related to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.
Consumer complaint received 2024-08-06
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-06
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. (NV)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
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. (IN)

I filed a dispute for incorrect information on mycredit report. I received an email from the creditbureau stating that they are assuming thedisputes are coming from a 3rd party. They in factdid not come from a 3rd party. l even called themto verify it was me and they still refused toprocess my disputes. I wasted money on mailingmy disputes out. I sent personal information toverify my identity through mail, just for them to notthoroughly investigate.
Consumer complaint received 2024-08-06
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. (CA)

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.rights. 
account name # XXXX XXXX account number # xxxxxxx XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX, XXXX account number # XXXX account name # XXXX XXXX XXXX  account number # XXXX account name # XXXX XXXX XXXX  account number # XXXX account name # XXXX XXXX  account number # XXXX account name # XXXX account number # XXXX account name # XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX 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 2024-07-16
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. (MD)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-06
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. (NV)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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
Consumer complaint received 2024-08-06
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. (NY)

I reviewed my credit report from XXXX and I saw that you have recently began to report me 30 & 60 days late on this account : XXXX. 


I also stated that I have previous credit reports from the XXXX that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 
XXXX XXXXXXXX.
Consumer complaint received 2024-08-06
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-08-06
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit report and notice and highlighted that TransUnion XXXX XXXX is indeed inaccurately reporting this account. I demand verifiable, irrefutable and undeniable proof that shows evidence of said reporting. 

15 U.S. Code 1681e - Compliance Procedures. LII / Legal Information Institute, XXXX. 

If this can not be furnished, by law this needs to be updated to never late and reporting in good standing immediately for XXXX XXXX TransUnion. 

XXXX Account # XXXX Experian Date showing - XX/XX/year> - Inaccurate TransUnion showing - XX/XX/year> - Inaccurate XXXX - Reporting Accurate as " Never Late '' I will provide screenshot of report attached to this report. As you will see the two credit reporting agencies are not reporting accurately.
Consumer complaint received 2024-08-06
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

I was approved to receive financial assistance thru the HAF program homeowners assistance. PHH mortgage has refused to accept payments issued beginning in XXXX. I was NEVER advised that no mortgage payments were issued. As of XXXX PHH received a check from the state and refused it and did not accept it and and turn back. They nEVER informed me sent any correspondence and payments Bot recieved. I was not made aware until I received notification from credit agencies
Consumer complaint received 2024-08-06
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that this account is late though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX XXXX XXXX