davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been writen to, XXXX, XXXX XXXX TRANSUNION to remove most of my personal information from the repor. 

What is correct to appear : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( My Personal Residence ) EMPLOYERS 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 2024-07-28
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)

Recently checking my credit report i noticed that i have been a victim of identity theft and found numerous credit inquirires i have no knowledge of here are the inquiries that i have found XXXX  XXXX XX/XX/year>, XXXX ( Bank ) XX/XX/year>. Please remove and dispute listed fradulent inquiries from my credit report
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Recently viewed my XXXX report and it stated that I have a non-sufficient fund charge-off for {$150.00} from my Capital One checking account. 

The last time I used my account was XX/XX/2021. 

There is a Charge on my debit card for {$150.00} from XXXX com on XX/XX/2021. 

I never authorized XXXX com to make Charge on my debit card for {$150.00}.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

Hello, On XX/XX/XXXX, I received an alert that my XXXX XXXX changed, so when I logged into my XXXX XXXX account, I saw that my score had dropped XXXX points. I thought that was strange, so when I looked at what happened, it said that I had a change in debt. I looked at all my " debt '' and it had nearly doubled. I thought that was extremely strange and the worst possibility was that I potentially had identity theft. I checked to see the debt I had and quickly realized that nearly all of my student loans had been listed on my TransUnion report twice. My other XXXX XXXX for XXXX was unchanged. XXXX XXXX lists XXXX new XXXX  accounts detected. I've had the same student loans since XXXX when I graduated, but my account says there are XXXX new accounts open since XX/XX/XXXX. I know there are issues with the litigations going on, but my loans were placed in forbearance and are still in forbearance. I'm complaining because XXXX has been difficult to work with in the past, and I'd like to start a formal XXXX XXXX for this occurrence. I'm also not sure if the issue is TransUnion, but I want to get to the bottom of this. 

Checking my XXXX XXXX XXXX account, I owe {$24000.00} in student loans, which is accurate. I took out the maximum federal loans for my XXXX degree. I earned an XXXX award in XXXX and paid off a little over {$6000.00} on a XXXX XXXX. XXXX loan was paid off ( about {$1800.00} ) before I graduated college in XXXX. My TransUnion credit report now says I owe {$49000.00}. That's nearly double my actual student loan amount. I have not taken out any other student loans, nor have my loans had enough time to double in interest, as it is only XXXX and they've been at XXXX XXXX interest for a few years since XXXX. Also, they're XXXX  loans, so the rates were already around only XXXX XXXX. ( I'm just stating the obvious ). I am going to work on disputing the duplicity, but again, I want to document this egregious and ridiculous error.
Consumer complaint received 2024-09-03
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. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a dispute with the reporting agencies 2 months ago and never received the investigation results from them. There is an unverifiable account being reported and it is hurting my credit rating, credit standing and credit capacity
Consumer complaint received 2024-09-18
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. (NY)

I have in the past months attempted to reach out XXXX in hopes of getting these inaccurate inquiries removed - and their representative has responded that they will be removed yet to this day, they appear in my credit report and it is damaging my scores in ways you can not imagine.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-07-28
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)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (VA)

This complaint is directed against TRUIST Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a resident of XXXX XXXX, VA XXXX and deal with the TRUIST Branch in XXXX XXXX, VA. 
On XX/XX/2022 TRUIST Credit Card XXXX over charged my Credit Card {$10000.00} after paying off in full the balance of the card, subsequently causing an overdraft in my TRUIST Checking account in the amount of {$1700.00} for which TRUIST charged an overdraft fee of {$36.00} On XX/XX/2022, after discovering the abuse of the above charges ( XXXX diffrent amounts on the same day, hence a proof that it was not a technical duplication as the agent claimed ), the agent on the phone removed the {$36.00} overdraft fee from my checking account. However, my checking account remained in a negative balance since the Credit Card agents refused to immediately refund the above over payment until for at least a week. THIS IS A BLATANT ABUSE. 
Meanwhile I had to get an advance from another account to cover the overdraft in my checking account therefore paying interest for the advance. 
CONCLUSION : TRUIST XXXX XXXX is holding {$10000.00} of my money while I have to get a credit advance with interest to cover the overdraft caused by TRUIST malpractice. Furthermore the overdraft will affect my XXXX XXXX. 
NOTE : my experience with this bank, formerly SUNTRUST, has an unusual policy of holding consumers fund longer than other banks. Example : in XX/XX/2022, I presented a check in the amount of over XXXX and TRUIST required XXXX weeks to clear it. The same check was deposited in another bank, it was cleared the next day.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian and XXXX. They ( XXXX XXXX XXXX XXXX  ) received that letter with certified returned receipt on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting EVERYTHING accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a new complaint regarding the persistent issue of a fraudulent XXXX XXXX  account ( Account Number : XXXX ) on my credit report. Despite my repeated attempts to have this account removed, it remains on my credit report and continues to cause significant harm to my creditworthiness and overall quality of life. 

My previous complaint ( Complaint Number : XXXX ) submitted on XX/XX/2024, addressed this same issue. However, the response from TransUnion and XXXX was unsatisfactory and did not resolve my concerns. Instead, they mistakenly referenced a XXXX XXXX XXXX account, which is unrelated to my dispute. This error indicates a lack of thoroughness in their investigation and response. 

To reiterate, this XXXX XXXX  account was fraudulently opened in my name without my consent. I have already filed a police report ( Report Number : XXXX ) documenting the fraudulent activity. Despite providing this information and repeatedly requesting the original signed contracts for the disputed account, I have not received any satisfactory resolution or response. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I demand that this fraudulent account be removed from my credit report immediately. If TransUnion can not provide signed, original contracts correlating to the account in question, they must delete the items from my credit report. 

The persistence of this fraudulent account on my credit report has severely impacted my ability to find housing and secure loans, causing undue stress and hardship. I urge you to thoroughly review my case and ensure that the necessary actions are taken to remove this account from my credit report. 

Additionally, I request an updated copy of my credit report once the investigation is complete and the fraudulent account has been removed. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-18
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. (AK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Equifax Credit Agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX and Equifax Credit Report and I noticed that both are still showing charge off/ collections from XXXX XXXX Account # XXXX is still posted on my report : Your company XXXX XXXX XXXX and Equifax Credit Agency has XXXX violations. XXXX XXXX XXXX has DELETED this account from my credit report. XXXX and Equifax has violated the laws by keeping the account on my credit report, and not providing accuracy. Under 15 USC 1681 Accuracy of Report 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. All XXXX  credit agencies are to provide the same information for accuracy. Also, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE the this account.This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character.

2. Negligent Enablement of Identity Fraud. 
3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 
Best Regards, XXXX XXXX Attachments are enclosed.
Consumer complaint received 2024-07-28
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)

I submitted a dispute to Transunion in regards to inaccuracies and incomplete information on accounts on my consumer report. Transunion conducted an " investigation '', but the accounts still contain the inaccuracies and incomplete information. I am disputing these accounts again. Please see the attachments.
Consumer complaint received 2024-09-18
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. (NC)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to my 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.
Consumer complaint received 2024-07-28
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. (NJ)

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. 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.

I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-09-18
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)

By 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. XXXX XXXXXXXX has violated my rights under 15 USC 1681, Section 602 ( a ), which states that consumers have a right to privacy. Additionally, 15 USC 1681, Section 604 ( a ) states that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, 15 USC 1681 ( a ) ( 5 ) states that 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 antedate the report by more than seven years. According to 15 USC 1681s-2 ( a ) ( 1 ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-27
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. (WI)

XXXX, XXXX XXXX XXXX, and Department of Education/XXXX XXXX have entered into an agreement with me to discharge my student loans under the ( TPD ) Total and Permanent XXXX Discharge Servicer. Once monitoring period of ( 3 ) three years have been completed of I have reached the age of XXXX XXXX XXXX, and that I must not enroll into school using government loans or processes, shall make is TPD invalid. The TPD has been discharged by the information is still being updated in the bureau causing a debt to ratio on my credit report and this is unwanted because I can never use these educational services anymore.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account name XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are not accurate. And 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 ). And according to 15 USC 1681 5 they are suppose 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 suppose to 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.