davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
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. (SC)

On multiple occasions, I have expressed to TransUnion that the alleged accounts they're reporting is in violation of my federally protected rights. TransUnion is directly ignoring my expressions. TransUnion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I, a great deal of injury.
Consumer complaint received 2024-09-22
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)

I am writing to express my serious concern about several discrepancies on my credit report. Upon reviewing it, I discovered inaccuracies such as incorrect account listings, billing inconsistencies, and accounts that do not belong to me. These errors are affecting my financial well-being, and I urgently require your help in addressing them.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am requesting that the account be closed and all charges be dropped. This is affecting my credit score, and I am being held accountable for charges and an account I never opened. My date of birth is XX/XX/XXXX of the year XXXX. I am providing a copy of my ID to verify that my date of birth is accurate and that I am who I claim to be. I am a victim of identity theft and did not open a XXXX XXXX XXXX. 

On XX/XX/XXXX I was made aware of a credit card having been open with the use of my social security, name, and address. I do not know the account number, only the last for digits that were stated on a statement I received in the mail. The statement stated that I must pay off the total charges of {$1100.00} made with a XXXX XXXX from XXXX XXXX. Also, on XXXX XXXX I was able to see that the account has been open since XX/XX/XXXX. I am providing screenshots from my XXXX XXXX account as proof. 

In XXXX of the year XXXX, I was still a XXXX  at XXXX XXXX XXXX. This account should have never been open in the first place due to the legal age to open a credit card being XXXX XXXX XXXX. Under the Credit Card Act of XXXX and the Truth Lending Act, the opening of credit cards is restricted to minors. I do not and have not had a job, ever, meaning that I could have never been able to provide proof of a stable flow of income. 

I have tried resolving this issue since back in XXXX, but have only been going in circles. I call almost every three days and still nothing is being done. I have also filed a report with the Federal Trade Commission and TransUnion. Not much has been able to be resolved as all the representatives I ave spoken to have told me that my date of birth does not match up with that of the account. I believe plenty of evidence proofs that this a fraudulent account and that this a case of identity theft.
Consumer complaint received 2024-07-23
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: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-23
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: EQUIFAX, INC. (AL)

XX/XX/2024 I have mailed out a FTC report disputing some unauthorized inquiries from my credit report that I did not recognize nor have I ever gave these companies permission to furnish my consumer report. I have not got an response or an update of my credit report and it has been well over XXXX days. 

SEE ATTACHMENTS AND CHECK DATES!
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 4 ) 5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all linked accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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. (NJ)

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no idea why they're there. I regularly check my report, but this time, there were unexpected discrepancies. I even refreshed my browser hoping it was just a glitch, but the wrong accounts remained. Im asking that the documents I sent be carefully reviewed so I can stop worrying about this.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 

Please delete this items as soon as possible.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dispute of Incorrect Personal Information and Request for Investigation Dear CFPB I am writing to formally dispute inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I have identified several discrepancies that indicate misuse of my personal information, resulting in financial harm and denied access to credit. 

Inaccuracies Identified : Incorrect Employment Information : All of the employment listed on my report in incorrect. 

Incorrect Addresses : there are multiple incorrect addresses, there should only be 1 correct address listed. 

Multiple Names Listed : I should only have 1 name being reported on and there are 3. 

Unrecognized Hard and Soft Inquiries : i do not recognize ANY of the hard and soft inquiries listed. 

Closed Accounts and Collection Accounts Not Recognized : all collections accounts have creditors that i have never heard of or contracted with. These inaccuracies have negatively impacted my creditworthiness, as evidenced by recent denials for credit applications. Under the FCRA ( 15 U.S.C. 1681i ), I am entitled to dispute any information that I believe is inaccurate. 

Under the Fair Credit Reporting Act, credit reporting agencies must ensure that the information they provide is accurate and complete. Additionally, UCC 9 mandates that financial institutions maintain accurate records concerning consumers ' credit. 

Request for Investigation : I request a thorough investigation of these discrepancies, which substantiate my claims. 

Please provide me with written confirmation of the investigation and any findings related to this dispute. I seek a full remedy for the damages incurred due to these inaccuracies, including any applicable fees. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX
Consumer complaint received 2017-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My loan is currently being serviced by XXXX XXXX. A lender and/or servicer CAN NOT collect on a debt that is TRANSFERRED DURING the DEFAULT of the LOAN. My violations as a Homeowner have been violated. I already accepted I can not remain in my home and since short selling my home was one of the options given to me to " avoid foreclosure '' I began the process. It has been a challenge with XXXX XXXX counter offering during the process causing the interested party to walk away from the transaction. The truth is that a short sale process is just as long, hectic and stressful as a modification and the servicer is well aware of that which is why the servicer should not delay on providing responses and/or an approval. I am currently facing foreclosure and only need 10 days to allow the transaction to close but XXXX XXXX, the servicer of my loan, is refusing to provide a postponement of the 10 days needed. I am asking to exercise my right as a homeowner to avoid foreclosure.
Consumer complaint received 2024-09-21
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. (WA)

XX/XX/year> - I called in to get information on when I needed to pay off my account before interest accrued. I paid off the amount the XXXX XXXX employee gave me to avoid interest. However, this information was incorrect and the extra interest was added to my account which caused a delay in payment. 
XX/XX/year>- I called XXXX XXXX again informing them of the issue with the balance owed because of the interest that was added. I was told this would be resolved and my payment wasn't due for another 19 days. 
XX/XX/year> - I was connected with a Case Specialist via email and was given a resolution timeframe of on or before XX/XX/XXXX which was 3 days before my payment was due. 
They did not provide a proper resolution in the given timeframe which led to the late payment. 
XX/XX/year> - a 30 day late payment appears on my account XX/XX/year> - I reached out again and was assigned to a Case Specialist on XX/XX/XXXX and given a resolution timeframe of on or before XX/XX/XXXX. 
XX/XX/year> - They responded saying they need more time. 
XX/XX/year> - They provided a resolution and XXXX XXXX agreed to remove the extra interest charges and the associated late payment fee. However, despite these adjustments, the late payment still remains on my credit report. 

This lingering record of late payment continues to jeopardize my credit standing, despite the fact that the initial error was due to misinformation provided by XXXX XXXX staff.
Consumer complaint received 2024-09-21
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. (OH)

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my XXXX, Transunion, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$360.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00} Inquiries XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In response to the CFPB complaint # XXXX - XXXX This a formal dispute again, XXXX XXXX, you have insulted my intelligence for the last time, because a consumer reads and comprehends and is able to put dispute letters together you feel like stall tactics are away to disrespect my character by stalling and claiming that this letter is from a credit repair agency, let me be very clear with you. I am an educated consumer and this is a formal dispute again. Because I will not be addressing this matter a 3rd time, the 3rd response from me will be legal action. So I implore you to send this to your legal department or whichever department that can handle my disputes correctly. Your Job is to correct inaccurate information on the consumer reports not tell me who Im working with or that I can do it myself. 15 USC 1681s-2 ( 8 ) ( G ) whether i choose a credit repair organization or not it is none of your business. The information that your furnishing as late is inaccurate, your furnishings is not in compliance with 15 USC 1666b and Im requesting to prove that they did what 1666b required an order to furnish a late payment and to see if there in compliance with 15 USC 1681s-2 ( 8 ) ( E ) ( 3 ). Because in accordance 15 USC 6802 GLBA I have the right to opt out, and I have to give consent. Upon the receipt of documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt Attention and Response are both requested and required. I went to a notary and sign these documentation in front of the with your games. XXXX  XXXX Account # XXXX Signature XXXX : XXXX-
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-20
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)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.