davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
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: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
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. (FL)

I am a victim of human trafficking I am notifying all consumer reporting agencies these accounts XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX has been altered fraudulent transactions has been done.
Consumer complaint received 2024-09-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

All dates and years before XX/XX/year> XXXX, Equifax, and XXXX all failed to remove all late payments, all collections, all charge offs, and all hard inquiries that abide by 15 U.S. Code 1666 ( b ), 15 U.S. Code 1637 ( a ), 15 U.S. Code 1692 ( g ), 15 U.S. Code 1681 ( c ) 2, and 15 U.S. Code 1681 ( n ).
Consumer complaint received 2024-08-09
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. (NC)

I was completely taken aback when I saw incorrect accounts on my credit report this morning, and I dont understand why theyre there. I regularly check my report, and today, errors appeared out of nowhere. I tried refreshing my browser, thinking it might be a mistake, but the inaccurate accounts were still there. Because of this, Im requesting that the documents Ive submitted be carefully reviewed so I can finally be at ease.
Consumer complaint received 2024-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MO)

I mailed my mortgage payment for XX/XX/year>, with {$8000.00} extra to apply to principal. Instead, they applied it towards XXXX and XXXX mortgage payments and only applied the extra {$4400.00} towards principal. 

I called them on XX/XX/XXXX to explain the error. They said they would fix it in XXXX hours. They did not. 

I called again on XX/XX/XXXX and explained again. They said it would be fixed by XXXX XXXX. It was not. In fact, they applied the {$4400.00} towards the mortgage payments until XXXX XXXX, XXXX. 

I called again on XXXX XXXX and told them they had fixed it backwards. They escalated the process, said they would send forward a complaint and have it fixed in XXXX hours. It was not. 

I called on XXXX XXXX and received an automated message that the issue was being fixed and would be done by XXXX XXXX. It is not.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am appealing for your help regarding this erroneous account listed on my credit report. I have reported this issue because it has negatively impacted my reputation, and I need your support. Your mismanagement of my credit report put me in a difficult position due to your inaccurate reporting, which damaged my reputation. These mistakes need to be corrected so I can live normally with my family.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Request for Removal of Inaccurate Addresses from Credit Report Dear TransUnion, I am writing to formally request the removal of several inaccurate addresses currently listed on my credit report. These addresses do not belong to me, and I believe their presence is either due to clerical errors or potentially related to identity theft. The inclusion of these incorrect addresses on my credit report is misleading and does not accurately reflect my credit history. 

Inaccurate Addresses to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Reasons for Removal : Inaccurate Reporting : The addresses listed above are not associated with me, and their presence on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported by credit bureaus must be accurate, complete, and verifiable. 
Potential Identity Theft : The presence of incorrect addresses could be indicative of identity theft. Under Section 605B of the FCRA, I request that these addresses be blocked from my credit report if they are the result of identity theft. 
FCRA Compliance : In accordance with the FCRA, I request that TransUnion conduct a prompt investigation into these inaccuracies and correct my credit report by removing all erroneous addresses.

Action Requested : I respectfully request the following actions be taken : Remove Inaccurate Addresses : Immediately remove the incorrect addresses listed above from my credit report. 
XXXX an XXXX : XXXX a thorough investigation into the presence of these addresses to ensure they are not connected to fraudulent activity. 
Provide Written Confirmation : Provide me with written confirmation that the addresses have been removed and that my credit report has been updated to reflect accurate information. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these incorrect addresses have been removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-08
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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-08-08
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, this creditor has violated my rights. 
I am writing to dispute inaccuracies on my credit report and to address a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

-Privacy Violation under 15 USC 1681 : Section 602 of the FCRA guarantees my right to privacy concerning my credit information. I have not given written authorization for any entity to access or report my credit information. 

-Violation of Written Consent Requirement under 15 USC 1681b ( a ) ( 2 ) : This section of the FCRA stipulates that a consumer reporting agency can not furnish a consumer 's credit report without my written consent. I have not provided any such consent for the furnishing or obtaining of my credit information. 

-Unfair Treatment of Payments under 15 USC 1666b : This section of the FCRA prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose. It appears that my account may have been inaccurately reported as being late, which is a direct violation of this provision.
Consumer complaint received 2024-08-08
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. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (FL)

I received a letter dated XX/XX/2024, from PNC bank addressed to XXXX XXXX and XXXX XXXX, who are both signers on a credit card account. The letter fraudulently stated the following : " PNC is closing the account due to unacceptable activity on another PNC account. '' This statement is untrue and libelous. I demand proof of the " unacceptable activity. ''
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 



XXXX XXXX XXXX Opened Date XX/XX/XXXX  Balance {$0.00}
Consumer complaint received 2024-08-08
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-02-21
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-08
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. (NC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion fails to send me a copy of my credit report.

Claims the address change I have 2 other addresses as mailing my mail including a post office address is in which is legal address.

Transunion sent me this form to pay them by credit card {$9.00} Transunion should be stop trying to get money out of consumers by them being ones using deceit and bad practices at consumers and false gathering of errors of consumers.

Transunion has fraudlent information and incorrect information gather on my credit file as wrong information to address and data breach info.

I have also file a complaint with the US Attorney on Transunion Credit practice for money for incomplete reports.

Transunion likes to mail incomplete reports and play games with there incorrect info and data breach by of companies.

I went threw this before with Transunion an there issues and gather wrong information.
Consumer complaint received 2024-08-08
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to XXXX5 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX Date : XX/XX/year> This is fraudulent inquiry. Please Delete Immediately XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year> This is fraudulent inquiry. Please Delete Immediately XXXX XXXX Inquiry Date : XX/XX/year> & XX/XX/year> This is fraudulent inquiry. Please Delete Immediately XXXX  XXXX Inquiry Date : XXXX This is fraudulent inquiry. Please Delete Immediately Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
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: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. There are accounts on my consumer report that are reporting Inaccurately. I have attached those reports with this complaint for your review. These Inaccurate reportings has caused me a tremendous amount of financial trouble. From being denied line of credit, refinancing you name it. I demand that these Inaccurate reportings be remove Immediately. 
Thank you.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion, XXXX, and XXXX refused to mark XXXX items in dispute. XXXX XXXX XXXX acct no XXXX and XXXX XXXX acct no XXXX. 

The letters were sent certified XX/XX/XXXX. I received responses back XX/XX/XXXX which XXXX including that failed to mark the items in dispute which is a violation of the FCRA and FDCPA.
Consumer complaint received 2023-10-31
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-08-08
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. (NV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.