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

Account reporting is inaccurate. proof of payments within time frame was provided. Account was not 60 days past due. This is not a similar complaint. This is a new XXXX about a new issue.
Consumer complaint received 2024-08-29
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 discovered that my identity was stolen and used to create fraudulent accounts. Fraudulent inquiries have also been made. I need your help to remove these items from my profile as soon as possible. 

The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX- This account is appearing on my XXXX and Transunion reports. Although it seems to be the same account due to the open date, the account numbers differ. It is listed as XXXX in TransUnion, XXXX in XXXX, and XXXX in XXXX. The fraudulent account was supposedly opened on XX/XX/XXXX. Not only is this fraudulent, but the information on it is also inaccurate across the bureaus. Please remove this from my credit reports. 

XXXX. XXXX XXXX - XXXX - opened : XX/XX/XXXX. 
XXXX. XXXX XXXX  - XXXX - opened : XX/XX/XXXX. 
XXXX. XXXX XXXX - XXXX - opened : XX/XX/XXXX. The XXXX XXXX account only appears in XXXX. Please help me delete these fraudulent accounts. 

Also, please help me delete the following fraud inquiries : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I also need your assistance in correcting my address and name. My name should be XXXX XXXX and my address should only be XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX nothing else. 


I have attached here my FTC reports, proof of identity and proof of address. As a XXXX  in this country, this experience is very traumatic to me. I don't know much people who could possibly help me with this situation. The harrassment and stress that I have to go through because of this is unbearable. Please help me. Thank you.
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. (PA)

Despite multiple attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, the late closed account and inquiries remain on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused XXXX XXXX and XXXX. It is crucial that this inaccuracy is promptly addressed to ensure the fair and accurate reporting of my credit history. I respectfully request a thorough investigation into this matter and appropriate action to rectify the inaccuracy. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. Please help remove these items immediately : 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 XXXXXX/XX/XXXX.
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (OR)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-06-26
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX 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 and 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 2024-08-29
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've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. I also have been a victim of identity theft from a previous close friend. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-08-29
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. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; XXXX XXXX XXXX opened on XX/XX/XXXX with {$5400.00} as closed balance, XXXX XXXX XXXX opened on XX/XX/XXXX with {$2100.00} as closed balance, XXXX XXXX  XXXX opened on XX/XX/XXXX with {$2200.00} as closed balance, XXXX XXXX  XXXX opened XX/XX/XXXX with {$7100.00} as closed balance, XXXX XXXX XXXX opened on XX/XX/XXXX XXXX {$8500.00} as closed balance, XXXX XXXX - XXXX XXXX  opened XX/XX/XXXX with {$12000.00} as closed balance, XXXX XXXX opened XX/XX/XXXX with {$17000.00} as closed balance, XXXX XXXX XXXX ( XXXX XXXX XXXX  ) as collection with {$900.00} as closed balance, XXXX opened XX/XX/XXXX with {$9200.00} as closed balance and an Auto-Loan with XXXX XXXX  XXXX with {$86000.00} XXXX XXXX XXXX. Inquiries appearing on my credit report ; XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported ( ). The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of a police report with report # XXXX and an FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-27
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. (NC)

I looked at my XXXX credit report on XX/XX/year>, and noticed some incomplete and inaccurate things like my student loan being listed without my consent. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure 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 modified or deleted from the file of the consumer.

and 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 information is inaccurate. 

XXXX
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. (MI)

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 : STATE OF MI OFFICE XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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 2024-06-26
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. (GA)

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 2023-06-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

I opened my new Citibank business checking account with an offer up to a {$2000.00} cash bonus at Citi branch address is XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX. 

The bonus term : To qualify to earn up to a {$2000.00} cash bonus, open a new Citibank business checking account between XX/XX/XXXX, and XX/XX/XXXX. Then, make a qualifying deposit in New to Citibank funds to an eligible account within 30 days of account opening and maintain that balance for 60 consecutive calendars days. The cash bonus will be credited to your Citibank business checking account within 90 days from the end of the month in which you completed all offer requirements. 

My new Citibank business checking account was opened on XX/XX/XXXX and new to Citibank funds {$100000.00} more were posted on XX/XX/XXXX and XX/XX/XXXX. So, my new funds in Citibank within 30 days of my account opening. 

{$100000.00} more funds were available on XX/XX/XXXX and need to maintain to XX/XX/XXXX for for 60 consecutive calendars days. I maintained my fund until XX/XX/XXXX which was more than 60 days. 

I should receive my cash bonus {$1500.00} by XX/XX/XXXX but I did not. So, I contacted local branch and the manager told I need submit W-9 form then I sent my W-9 form to the banker who opened my Citibank business checking account . My W-9 form was submitted on XX/XX/XXXX. 

As of today XX/XX/XXXX I still not receive my {$1500.00} bonus since my Citibank new business checking account opened on XX/XX/XXXX
Consumer complaint received 2024-06-26
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX and 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 2024-06-26
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 have forwarded and opened a compliant regarding XXXX XXXX with the credit bureaus. Here is my statement. 

I have no financial relationship or obligation with XXXX XXXX. The fact that they have submitted this information to my credit report is in violation of the following. Under the Fair Debt Collection Practices Act. 15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- I did not provide any written authorization for XXXX XXXX to contact me.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX 's XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX  Acc # XXXX XX/XX/XXXX XXXX XXXX. 
Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX  XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX Please removed show as closed.
Consumer complaint received 2023-06-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

The creditor is XXXX XXXX - a Balance of {$830.00}. It reports that I am 180 days past due. It is reported that I have been late 64 times. The date of the loan is XX/XX/XXXX, and the last payment was made in XX/XX/XXXX. I have been trying to get the original loan documents from this creditor. This is a fraudulent loan and was taken out by a family member unbeknownst to me. The creditor refuses to give me any documents or verify the loan. He verbally accused me of lying over the phone. This has been going on for years. I have called over the years and received no help. I asked the manager XXXX to mail the documents to me verbally and he stated, " I can't do that because I don't know if you're XXXX XXXX. '' This creditor 's inaccurate reporting has kept my credit rating in the toilet. This has caused me a great deal of stress and XXXX. I have written the creditor and asked for the original documents and the creditor responded by writing me back stating I should log onto the website to get the documents. They have been bullying me for years and refuse to verify this debt. I have called just to be insulted and dismissed. By not knowing my rights as a consumer, I could have filed a complaint against them. Equifax has failed to help me as well. I have been discriminated against and I would like to file suit against this creditor.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
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. (MS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-05-31
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: United Shore Financial Services, LLC (MO)

They are reporting Mortgage as 60 days late for the month of XXXX they mailed me a letter out said it was Social Security breach back in XXXX that had affected the payment system. They mail this letter out. It was dated XX/XX/XXXX. I reached out to the mortgage company and XXXX  and XXXX to get it removed off my credit report. Ive never been late on my mortgage. No one has done anything. Its been over XXXX months now and it still has not got resolved.
Consumer complaint received 2023-05-24
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 am writing to dispute the following information in my file. Two XXXX XXXX accounts with the same account number XXXX are reporting inaccurately on my credit report with two different open dates and credit limits. One report states that the account is current, while another states the account is delinquent and charged off. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act.

In accordance with the Fair Credit Reporting Act, the listed accounts above have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please investigate this matter and delete it as soon as possible. Thank you.