davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a paid membership with this business, I tried to place a freeze on my device once I started to get notifications of someone running my credit. I called to have the inquiries disputed, the representative told me he disputed it and it would be off soon. That did not happen. Im paying for a service that Im not using.
Consumer complaint received 2024-08-30
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is impossible to call or report Fraud to Trans Union by email, phone or text. I spent one hour and 4 phone as a courtesy calls with Trans Union on XX/XX/XXXX. My name is XXXX XXXX, XXXX, XXXX. On XX/XX/2024 a company named XXXX XXXX, using the name XXXX XXXX XXXX XXXX XXXXXXXX using the phone number XXXX and using the name of XXXX. 

XXXX says they are a 100 % whole owed subsidiary of Trans Union. After 4 calls I was able to get a technical help desk at Trans Union that could verify that XXXX XXXX is not a subsidiary of TU. 

My complaint is that is is so hard to get through to Trans Union to report their flawed system and indirectly helping this form of Fraud. It should be easy to have an email address, phone number or mailing address for a consumer to verify Trans Union 's business practices. My guess is that for every one complaint there are XXXX victims. TU has ZERO processes to help verify its own lack of involvement without me joining TU?
Consumer complaint received 2024-10-27
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2024-10-26
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 am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : Incorrect Name : My current legal name is [ XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX, florida, XXXX ], while my credit report shows an outdated address of [ XXXX XXXX XXXX, XXXX, fl XXXX ] [ XXXX XXXX XXXX, XXXX, Fl XXXX ]. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current addres
Consumer complaint received 2024-10-03
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Concord Servicing Corporation (GA)

I closed without a TIL and have been trying to CANCEL. The numbers are also different and I haven't received any deed or documents of conveyance that I paid for to be recorded to XXXX XXXX through settlement agency. Apparently they have committed FRAUD. I notified them of my desire to cancel and recorded all call and have been getting the run around from customer service and finance. I'm XXXX and according to Supreme Court ruling TIL ACT have 3yrs to CANCEL but am to receive full refund within 20days after notice. PLEASE ASSIST
Consumer complaint received 2024-10-27
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)

According to 15 USC 1681E ( b ). XXXX XXXX and Experian, did not assure maximum possible accuracy on this account below XXXX XXXX XXXX XXXX. Account is not accurate. And according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the knows or cause to believe that the information is inaccurate. 
I was a student with XXXX XXXX XXXX. I worked for 11 months for them. The contract was after 9 months you are free of that contract. I have proof that I exceeded my contract.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as [ XXXX XXXX ]. I request that my name be updated to reflect the correct information. 


Address : My current residential address is [ XXXX XXXX XXXX XXXX, XXXX, XXXX ], but my credit report shows an outdated address as 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  ]. I request that my current address be updated accordingly. 



I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ]. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry
Consumer complaint received 2024-10-27
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. (SC)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-27
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)

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 2024-10-27
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I reviewed a copy of my credit report and noticed fraudulent credit inquiries on my profile. I have been a victim of identity theft and my information has been exposed. Please remove these inquiries related to fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-27
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. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-08-29
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (OK)

Predatory landlord situation. Wrongfully evicted after they refused to respond to efforts to renew lease as offered. This includes refusing certified mail. When their Attorney became aware of this at court she immediately reserved the fees. I surrendered keys/ possession the next day. XXXX XXXX XXXXXXXX provided a find bill which I requested details to support the bill. These communications were also never responded to as one would expect as part of proper business practice yet it is what I know to expect from them. Bullying behavior to rebrand and zero regard for decency. I have documentation of this catastrophe and can provide more if needed. Thank you in advance for your help in this matter
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc. (VA)

I received a text on my cell phone recently from a company called Unifin claiming that I have an unpaid debt in the amount of {$490.00}. Their reference number regarding this claim is XXXX. I absolutely ( one hundred percent ) dispute this claim! I think that it is either fraudulent or ( to be charitable in the extreme - possibly mistaken ) and I am therefore seeking assistance from the Consumer Financial Protection Bureau to rebut this ( supposed ) unpaid debt. Unifin have not told me to whom I ( supposedly ) owe this amount to. This makes me very suspicious of their motives and methods of operation. Please advise what assistance you can provide in disputing this claim and what you would recommend that I should do next. Thank you and Sincerely - XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

XXXX XXXX XXXX XXXX XXXX ( an XXXX XXXX XXXX XXXX ) misrepresented the amount that was owed on move of the apartment we were staying in. I received orders overseas for 2 1/2 years and ended the lease based on the orders report date. I notified XXXX XXXXXXXX and they proceeded to bill me for the extra month of rent. Additionally, on move out we completed a walk through and it was verified that everything was in order with the exception of the holes in the wall from the home decor. When I received a final bill they had added a charge to replace carpet. In California there is a requirement to change the carpet every 7 years. We have no way to verify what the carpet date was and if it was actually replaced. This is the second time this company has done something like this. Lastly they are claiming we missed payment on our water and sewage bill for almost a whole year! The system we logged into to pay the bill is tied with the payment of rent and I have no way to access it to pull up receipts for the payments that we made. XXXX XXXX XXXX XXXX XXXX hired a collection agency to try to force us into paying the amount they requested. The company is called FCO or Fair Collections and Outsourcing. We spoke with FCO on multiple occasions and explained what I have just expressed. I submitted a copy of my orders to XXXX that was used for move out and a copy of the SCRA for it being overseas. I explained I did not have access to my old emails to prove the apartment complex was notified. However advance notification was not needed due it being XXXX. FCO said they would speak with XXXX XXXX and since then I have heard nothing back from them. They refused to send emails pertaining to the correspondence that was taking place between them and the rental company or us and them.
Consumer complaint received 2024-09-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) XXXX  XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

XX/XX/year> - Discovered my credit account with all information was taken over by same fraudster for the XXXX time but this time he made his email primary so when I tried to change password the code went to his email! To get account back ( on a Sunday when Experian was closed ) I was able to simply " Sign Up For Free '' enter last XXXX of my social and my Wife 's Cell ( a completely different Cell, not associated with my account, ever ). It sent a verifying Link and upon clicking, I am able to see my Full Name, Date of Birth, Address and allowed me to create a NEW sign-in and password. At that point, I had full access to all my information and even with click of the button, UNFREEZE my Frozen account. I had Frozen year ago and thought a XXXX digit # was required to Unfreeze. Not so any longer. So not only is my account info laid bare but now they can Unfreeze my credit. 

PLEASE- try this your self! " Sign Up For Free '', enter last 4 of Social and Cell ( even another you have access to at the time ), and see just how easy Experian has made it for someone to see all your personal information & steal your identity. It's crazy!! Somebody force Experian to provide at least the basic identity protections, for Free!
Consumer complaint received 2024-10-27
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. (MI)

XXXX XXXX XXXX XXXX XXXX [ XXXX MI XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau po box 27170 Washington XXXX DC XXXX Subject : Dispute of Information on Credit Report Dear XXXX , I am writing to dispute the accuracy of the following accounts on my credit report : Account Information : - Creditor XXXX XXXX XXXX XXXX XXXX Number : XXXX - Creditor : XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX CFPB Dispute Letter I request an investigation into these accounts as they may contain inaccuracies that are affecting my creditworthiness. Please provide me with the results of your investigation. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-25
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)

Account : XXXX XXXX XXXX Amount : {$420.00} Account Date : XX/XX/2022 Please remove all names other than " XXXX XXXX XXXX '' and remove all previous addresses. 

15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604A. section : 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 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. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.