davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ColoradoXXXX DOB : XX/XX/XXXX | SSN : XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Current Employer : XXXX XXXX XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Section 605 of the FCRA : This section prohibits the inclusion of outdated information in credit reports. Please ensure that any outdated information not meeting the FCRAs timing requirements is removed.

Section 623 of the FCRA : This section requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when it is disputed by the consumer.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-09-20
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. (TX)

These are unauthorized inquiries ( XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ), which I have not approved or given written permission to furnish in my credit report.
Consumer complaint received 2024-09-20
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. (IN)

To Whom It May Concern, I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. For you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 

Listed below are the Inquiries that are being challenged : XXXX XXXX  - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX  - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX  - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY XXXX XXXX - XXXX You have no right to have an inquiry on my credit report unless I explicitly authorize it. Show me the proof that I applied for credit or gave this company permission to access my credit report with a signed authorization from me. If you can't provide this proof, DELETE THE INQUIRY IMMEDIATELY
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-20
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. (CA)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX  ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX  ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consuner information to the best of their ability with Maximum Accuracy. 

I contacted XXXX, XXXX, Transunion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 



contacted XXXX, XXXX, Transunion and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Agt. and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.
Consumer complaint received 2024-09-20
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Ive Been In Contacted With TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/year> regarding A Public Record Listing A Case XXXX XXXX I Personally Search This Public Record From Third Party Pacer Whom Supposedly Housing This Information. 

In Doing So I Found There Is No Record Of This Case # & It Is Inaccurate! 

Ive Contacted TransUnion XXXX XXXX For 8 Months Disputing This Information! 

Ive Disputed With CFPB Several Times! 

Each Time TransUnion XXXX XXXX Responds Is Results Will Be mailed. 

Each Time The Mailed Results Are Generic GENRATED Letter Stating Account Was Verified As Accurate With No Proof On How?! No Procedures Or Information On How They Came To This Conclusion?! 

TransUnion XXXX XXXX Are Violating My FCRA Rights FCRA Section 611 Part ( A ) ( 1 ) Credit bureaus if they fail to respond to your written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) FCRA Section 604 ( A ) ( 3 ) Creditors if they pull your credit file without permissible purpose FCRA Section 605 ( c ) Running of the reporting period Creditors or collection agencies, and credit bureaus if they try and " Re-age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer Attachments : Proof XXXX XXXX Deleted Account Proof That XXXX XXXX XXXX XXXX  Is Not Reporting To Credit Bureaus ( My Letter To Court ) Furnisher Whom Supposedly Is Verifying This Information XXXX XXXX XXXX XXXX Responds Proof That Case XXXX XXXX  Is Inaccurate So HOW Is The Credit Bureaus Verified A Public Record With A Inaccurate Case XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Bank of America for Failure to Process Dispute Dear Sir/Madam, I am writing to file a formal complaint against Bank of America regarding their failure to adequately address a dispute I submitted. 

On XXXX XXXX, I filed a dispute with Bank of America concerning a transaction that I believe to be unauthorized or incorrect. Despite following all the necessary procedures and providing the required documentation, I have not received a satisfactory response from the bank. 

Specifically, the issues I am experiencing are as follows : 1. Lack of Response : Bank of America has not responded to my dispute within the timeframe required by law.

2. Failure to Investigate : There appears to have been no thorough investigation into my claim, as I have not been informed of any findings or conclusions.

3. Failure to Credit My Account : The disputed amount has not been provisionally credited to my account while the investigation is supposedly ongoing. 

The transaction in question involves [ briefly describe the transaction, including date and amount ]. I have attached copies of all correspondence with the bank, as well as any supporting documents that substantiate my claim. 

I am extremely concerned about this lack of action from Bank of America, as it has caused undue stress and financial inconvenience. I am requesting the CFPBs assistance in resolving this matter and ensuring that Bank of America complies with all relevant regulations regarding consumer disputes. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

This is a general problem with all three XXXX XXXX XXXX XXXX ( XXXX, XXXX, Experian ). 

It used to be if you froze your credit report, they'd give you a pin, and you couldn't remove the freeze without the pin. This was a good safety feature in case the credit bureau 's online account is hacked. And it is easily hacked. 

With the XXXX data breach, almost every address I've had for the last XXXX  years was exposed, with my XXXX, and my XXXX. This gives the hackers the information they need to answer the typical security questions these credit bureaus ask. 

So even if the credit bureau set up two-factor authenticationand they don't do this well, eithersomeone would just call in and using the XXXX  data breach information to answer the questions someone will ask, and then change the account over to their own email and phone. 

But if the agencies provided pins, the person wouldn't have access to these. XXXX does this, but these XXXX used to but I believe only XXXX of them has a pin and I don't even think it uses it anymore. 

On XXXX, here are folks have to clean up the mess from hacked credit bureau accounts. This is unacceptable. And the only thing I can think is they want flimsy security into scaring you into signing on to their overpriced security offerings. 

This has to be better.
Consumer complaint received 2024-08-25
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. (LA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 
, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. On XX/XX/XXXX, the suspect opened credit card account XXXX with XXXX and accrued {$3500.00} in charges. I believe the suspect stole my mail, specifically a XXXX tax form sent from my previous employer, from a mailbox located at address XXXX XXXX XXXX, XXXXXXXX XXXX  where I lived from XX/XX/XXXX through XX/XX/XXXX. I discovered this fraudulent account on XX/XX/XXXX as I was looking at my credit report and noticed this unfamiliar bank and delinquent account. As soon as I discovered the account, I called XXXX to report the fraudulent account. I spoke with a representative in the XXXX XXXX Department, XXXX, who advised that the account was opened using the XXXX Prospect Place, XXXX address. I had not been living at this address for XXXX years when this account was applied for and opened on XX/XX/XXXX. 

On XX/XX/XXXX, I reported this theft to the XXXX XXXX XXXX Precinct, XXXX XXXX, who advised that I needed a written statement from the bank with details and information used to open the account before he could file a police report. On MayXX/XX/XXXX, I sent XXXX a letter of request for business records related to this fraudulent account, along with the FTC Identity Theft Report, my government issued proof of identity, the Fair Credit Reporting Act Section 609 ( e ), and a link to ftc.gov resource titled Businesses Must Provide Victims and Law Enforcement with Transaction Records Related to Identity Theft. 

It has been XXXX  days since I sent XXXX the letter of request for business records related to this fraudulent account and the only correspondence I have received is an XXXX of Fraud form to fill out and send back to them in order for them to investigate. My consumer rights have been violated and I demand resolution to have this fraudulent account removed from my credit files. I have taken steps to dispute this fraudulent account by reporting the fraudulent account to XXXX, disputing the account with all XXXX  credit bureaus - XXXX, Equifax, and XXXX - filing a complaint with the XXXX, as well as the XXXX  Police Department. Additionally, I have placed a freeze on my credit, set up fraud alerts, and added consumer statements with all three credit bureaus. 

This credit card account was opened fraudulently using my personal information without my consent or permission. I did not open or authorize this account. My credit report is showing incorrect information by claiming this credit card account under my identity. I demand that XXXX, Equifax, XXXX, and XXXX absolve me of all charges on the fraudulent account and all activities associated with it, and that all appropriate steps are taken to remove information about this account from my credit files.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I have attempted to unfreeze my TransUnion credit report multiple times over the past week so I can get preapproved for a home loan. Unfortunately, the website is incredibly glitchy and will not allow mt to login due to alleged password/username errors. However, when I go through the process to verify my identity and reset my password that portion of the website doesn't work either. When I call customer service, they tell me my case will have to be elevated to a different department and to expect a call back in the next XXXX days. XXXX  days later and nothing but crickets.
Consumer complaint received 2024-09-23
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. (TX)

In XXXX of XXXX I sent a second notice letter and submitted a complaint through the mail and their website regarding some disputes on my credit report. I asked for verification of the investigation and the documents used to verify the information listed in the dispute and on my credit report and received an email in XXXX letting me know they did not believe the letter came from me but I can dispute the information online. I immediately replied and said that it was me and even sent a copy of my drivers license for verification when I mailed my request. I have never been replied to and no action has been taken on my dispute.