davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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 have been a victim of identity theft the following accounts are fraudulent I have put up a list of things inaccurate and unauthorized showing below with an police report ftc report with my drivers license and two pieces of mail with my social security card and the letters I have repeatedly sent all three credit bureau
Consumer complaint received 2024-10-02
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)

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of the following accounts : Company or Organization : XXXXXXXX XXXX Account Number : XXXX Company or Organization : ORIGINAL CREDITOR Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Company or Organization : XXXXXXXX XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXXXXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts as reported. None of these accounts were opened, made, or initiated by me. All of the aforementioned items are the result of identity theft and fraud. 

I have attached any relevant documentation, including proof of my identity and any evidence supporting my claims regarding the fraudulent accounts. 

Plaintiff Signature : XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-02
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : (XX/XX/XXXX), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus addresses. 

This address was used to open accounts in my name : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NY XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX  Opened XXXX XXXX, XXXX. {$1000.00} XXXX XXXX XXXX. Opened. XXXX. XXXX, XXXX {$2100.00} XXXX XXXX. Opened XXXX XXXX, XXXX {$1400.00} XXXX XXXX  Opened. XXXX XXXX, XXXX {$410.00} A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer XXXX credit report now contains fake addresses as a result of these accounts. A copy of your consumer XXXX credit report, which includes the aforementioned bogus addresses. The aforementioned accounts and addresses, as reported, are unfamiliar to me. The Accounts and Addresses listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts and Addresses listed above are all the product of fraud and identity theft.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX  has failed to correct current balance of credit card and line of credit amount is incorrect as well. 

I was told that mine line of credit would be {$XXXX}. It reflects on my credit report as {$XXXX}. The balance is also incorrect and needs to be adjusted
Consumer complaint received 2024-10-03
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)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-02
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX We completed a refinance with Wells Fargo. We authorized an ACH debit for our new Mortgage in the amount of {$2100.00} from our XXXX account, monthly. In XX/XX/XXXX we discovered that another mortgage which was not ours in the amount of {$1400.00} was also being deducted from our account and had been for the previous 3 months. We informed Wells Fargo and blocked all ACH transactions from our XXXX account to wells Fargo. After several phone calls Wells Fargo agreed there had been a mistake and transferred the money ( 3 months {$4300.00} ) back into our XXXX account. They also made an additional transfer of {$1400.00} into that account, which we informed them of and have not heard back as to how they would like those funds returned. On XX/XX/XXXX we made a payment in person for our mortgage of {$2100.00} by check from another bank. Written on the check is the mortgage account #, check cleared the same day and posted to our mortgage account. XX/XX/XXXX we again made payment in person, in cash and have the receipt posted to our account on XX/XX/XXXX. Starting XX/XX/XXXX my wife begin getting calls that our Mortgage was late and had not been paid. After going on line to look at our account I find a line dated XX/XX/XXXX " PMT Reversal '' in the amount of {$2100.00}. At this point I have spent about 4 hours calling and waiting for Wells Fargo, who can not seem to explain how a payment was reversed or where it was reversed to. I am deeply frustrated, lack faith in their accounting and feel that blatant theft and wire fraud has occurred. My Mortgage is late, this may affect our credit, and I have all receipts to show payments were made in full on time. Thank you for your attention.
Consumer complaint received 2023-11-08
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. (OH)

I reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Account : ( XXXX ) : ( XXXX ) Please remove this account from my credit report.
Consumer complaint received 2024-10-02
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-02
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)

I am filing this complaint because I have noticed several collection accounts on my credit reports that I do not recognize or have any knowledge of. These accounts are inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of these erroneous accounts, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 

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 2024-10-02
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)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-11
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Bright Capital Inc (KY)

Ive been going back and forth with this company for months, maybe even years. They give me all these reminders to pay my bill, their app/website gives me error messages, I cant make payments, and they report me as being late/delinquent. They ask to verify personal information and do not reply for days/weeks/months to absolve the issue, thus making the payments late. I cant reach anyone, and then when I prompt an investigation, theyll magically reach out and then ghost me. They assign automated reminders to pay, but theres no way of paying. They have ruined my credit score, and outsource people who do not speak English to answer calls, IF you can get them on the phone. There are multiple reviews in the XXXX XXXX about them doing the same thing to MULTIPLE people. 

I have multiple emails from them, investigative bureaus, and calls that tried to bribe me to stop the investigation, then they will remove late payments, due to their mistakes, and continue to inaccurately report to my credit. The bribe from XXXX XXXX who's pictured in the emails ) stating " if I call off my investigation into the company because they get penalized for such complaints, then they will accurately take off my late payments because it was no fault of my own '' and they ADMITTED that it was no fault of mine, I've had multiple attempts to rectify, and they are aware of the glitches they have had.
Consumer complaint received 2024-10-02
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. (NC)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/XXXX I was charged a return payment fee for {$29.00}. I don't agree with this return payment fee because XXXX XXXX received the statement balance payment in full and on time for that month on the due date. They would not remove this return payment fee so I closed my account out of frustration with being treated unfairly after having flawless payment history with them for nearly XXXX XXXX. I don't think I should be responsible for this fee because no payment was actually returned and they received the full payment. 

There was {$22.00} left in rewards dollars for the next statement on XX/XX/XXXX which was applied on the statement with {$0.00} in interest leaving {$6.00} balance left. I did not pay this remaining balance because they received most of their invalid return payment fee money from my rewards balance, so I erroneously assumed this small balance wouldn't be a problem. 

This {$6.00} balance ultimately caused XXXXXXXX XXXX past due negative marks on my credit score and late fees adding up to {$52.00} on the XX/XX/XXXX statement. I contacted XXXX XXXX about this and they removed the balance but would not remove this XXXX XXXX past due negative mark on my credit score that reduced it by almost XXXX points, claiming this is an accurate reporting of the account to the credit bureaus ( see attached letter ). I disagree with this conclusion and I don't think it's fair that {$7.00} reduced my credit score by this much, especially when there should not have been a balance to begin with. This is a problem caused by XXXX XXXX and unfair treatment of a customer. If you review my credit history, this is the only time in almost XXXX XXXX that there has ever been a problem and I think that needs to also be considered in this case. If this was a mistake on my part I don't think I should have to pay this dearly for {$7.00}. I have attached the statements for this narrative. 

In conclusion, I think the XXXXXXXX XXXX past due negative mark needs to be removed from my credit score ASAP.
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (TN)

I have had a probem with a credit card my wife got thru walmart/ synchrony bank.I asked for a settlement on the account due to divorce and i made the payments as scheduled and even called on around the XX/XX/XXXX to make sure everything was ok and i was assured that everything was ok and the debt was taken care of i should receive a letter stating the same later in the month .I just received a letter today stating i didnt make the payments as arranged and that this will be declared a bad debt. I just got hung up on by the sychrony bank because they say they are missing my last payment after another rep said it was made plus i have proof that my check has their endorsement on it
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX, My Social Security Number is : XXXX, The Only Correct Address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX, Please remove old numbers and address! 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 2024-10-02
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im in disagreement with the account listed below, which still appears on my credit report after your investigation. I would like this item to be immediately re-investigated. The inaccurate information is highly injurious to my credit score. 

Account Name - XXXX XXXX XXXX XXXX Report Number - XXXX In accordance with The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611. Can you provide the names and business addresses to whom you verified the follow up dispute Investigation. Also, what was the method of verifying my dispute. If so, what is the name and number of the parties you verified the information from. If a verbal conversation was held, can I get a transcript of the conversation with the date and time for confirmation verification. 

Please send me an updated copy of my credit report after you re-investigation. If you are unable to send me these verifications as per The Fair Credit Reporting Act, please remove this unverifiable item of my credit report. 

Thank You.
Consumer complaint received 2024-10-02
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. (PA)

My credit report is showing a charge off account from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>. According to the FCRA I was suppose to receive a 1099c form for any debt charged off and is {$600.00} or more by law which I never received so I am requesting that form. This account should not be reported as a negative item to the credit reporting agencies, not only are they possibly committing tax fraud but they also violating FCRA 15 USC 1681 ( eb ) for reporting information that is not 100 % accurate.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Somebody has all my personal information and he keeps unlocking my credit file after I told XXXX 3 days ago to put an EXTENDED fraud alert on my file for 7 years. They are also monitoring all my communications phone, internet, mail. Everything. I have XXXX privacy. After I asked for help with a credit card my bank calls me closed my account and takes my debit card. It has always been this way. My small business are being used by someone else and my credit is being used by someone else to.