davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), has violated my rights. 

I looked at my credit reports on XX/XX/year> and noticed some things are incomplete and 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 generallf, 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 tinformation is inaccurate.
Consumer complaint received 2024-10-10
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDNXXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transferred and Closed : The account was officially transferred and closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account transfer led to the incorrect reporting of late payments, which should not have been attributed to me. 
Payment History Prior to Transfer : I have a consistent history of making on-time payments before the account was transferred. The incorrect reporting of XXXX late payments is not reflective of my responsible financial behavior and payment history. 
Dispute Already Filed and Marked Resolved : I previously filed a dispute regarding this issue, which was marked as resolved. However, the late payment entries remain on my credit report, suggesting that the matter was not fully addressed and corrected. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision.

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Closed : The account was officially closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account closure led to the incorrect 120-day late report, which does not accurately represent my payment history.

On-Time Payments Prior to Closure : I consistently made all payments on time prior to the account closure in XX/XX/XXXX. Any reported delinquency after this date was due to delays in account processing and should not have been attributed to me. 
Dispute Previously Filed : I previously filed a dispute regarding this issue, which was marked as resolved ; however, the inaccurate late payment entries still remain on my credit report. This demonstrates a lack of proper resolution and continues to affect my credit score negatively. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-05
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: BARCLAYS BANK DELAWARE (CA)

I ordered a JetBlue Card plus from Barclays Bank. A feature of the card is the ability to transfer card balances to the Jet Blue card from another credit card. Upon applying for the credit card, I transferred a portion of my XXXX XXXX card  and XXXX XXXX card. 
Jet Blue stated that my account was pending at the time of application, so during that time I actually paid down the XXXX credit card. JetBlue added $ XXXX to my XXXX account which caused a positive balance over $ XXXX. In the mean time the Jet Blue credit card is listed on my credit report as 97 % over the balance. I personally contacted both XXXX and JetBlue to reverse the credit to the XXXX account, this took several weeks to accomplish over the phone. XX/XX/XXXX, I received a letter stating the XXXX balance was transfered. I checked the online account for the Jet Blue account and both credit card balances are on the card. The credit from the XXXX has not been applied. In fact, my credit score went down because the jet blue credit card has been reflecting a 97 % usage rate. The improvement of my credit is why I applied for the Jet Blue credit card. Jet blue is reporting erroneous information based on issues they have caused.
Consumer complaint received 2024-07-16
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 my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-22
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. (GA)

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea how they got there. My usual check uncovered discrepancies that were completely unexpected. I tried refreshing the page, thinking it might be a technical error, but the unauthorized inquiries persisted. Im asking that you carefully review the documents I've provided to ensure this issue is resolved permanently, as its causing me significant concern.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transferred and Closed : The account was officially transferred and closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account transfer led to the inaccurate reporting of late payments from XX/XX/XXXX to XX/XX/XXXX, which should not be attributed to me. 
On-Time Payments Prior to Transfer : I have always made my payments on time prior to the transfer of this account. The incorrect reporting of a 120-day late payment does not align with my history of responsible financial behavior, as all obligations were met before the account was transferred. 
Dispute Already Filed and Marked as Resolved : I previously filed a dispute regarding this issue, which was marked as resolved. However, the late payment entries remain incorrectly on my credit report, indicating that the issue was not properly addressed. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-01-16
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. (OH)

I have several accounts that I do not recall EVER doing business with still showing on my credit report. I was a victim of fraud so demand to see any and all legal documents connected to any contracts for business. Please delete XXXX XXXX. This is the second time I have had this issue. They are in violation of FDCPA and FRCA laws, 623,611 FDCPA 809,805 Aas well as HIPPA!
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Brock & Scott, PLLC (TN)

I do not know Brock & Scott , PLLC COLLECTION SERVICES.

I do not have any contractual obligation to COLLECTION SERVICES.

I never signed any agreement with Brock & Scott , PLLC SERVICES.

I never consented for Brock & Scott, PLLCCOLLECTION SERVICES to share my personal information.

My name is Copyright protected through my tribe.

That copyright is registered with the Library of Congress.

I am advising Brock & Scott, PLL CCOLLECTION SERVICES to cease and desist any/all collection regarding this name.

I am advising Brock & Scott , PLLC COLLECTION SERVICES to cease and desist any and all collection against me.

I demand Brock & Scott , PLLC COLLECTION SERVICES contact XXXX and any and all third parties that they have shared or give my copyright protected information to. 

Failure of Brock & Scott , PLLC COLLECTION SERVICES to contact any reporting agency and have my private, copyright information will result in my exhausting my legal as well as Tribal Remedies. 14. No further notice besides this notice shall be given.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This error has caused me considerable inconvenience and potential financial harm, as the mixed account does not reflect my financial history or actions. I am concerned that this inaccuracy may impact my ability to secure loans, credit cards, or other financial services.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

THE CREDITOR IS REPORTING 2 OF THE SAME ACCOUNTS. WITH 2 DIFFERENT BALANCES. AND HAS ASKED THEM TO REMOVE 1 ACCOUNT OFF MY CREDIT REPORT BECAUSE ITS INACCURATE!!
Consumer complaint received 2023-04-14
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: The Receivable Management Services LLC (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 XXXX # XXXX, has violated my rights. 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 2024-10-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was called from someone that said they were from my bank ( Bank of America ) saying I had fraudulent activity with my debit card and that also someone was trying to wire transfer money out of my savings account then they transferred me to another person who accessed my account and stole {$5600.00} on XX/XX/year> at XXXX XXXX  when I got to my bank in person I told them what was going on the transaction was still pending and they wouldnt stop it they said it can help catch who is doing it I submitted a claim 45 days later was told they werent refunding my money so I now have a dispute claim in process
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

dear credit burau i just recently looked at my credit report. i saw hard inquiries that did not have permissible purpose can u reinvestigate the inquiries listed below. 

[ XXXX XXXX XXXX ] : date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXX XXXX BANK XXXX ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXX XXXX XXXX XXXX ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

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 XXXX out of XXXX 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. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (VA)

The credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602A states I have a right to privacy 15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions Account XXXX XXXX XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX violations Account XXXX XXXX XXXX XXXX Date open XX/XX/XXXX Last activity XX/XX/XXXX Equifax Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XXXX how can last activity be before account was open Three violations XXXX XXXX XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XXXX how can that last activity be before the account was open? 
Two violations XXXX XXXX XXXX XXXX Equifax Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX how could that last activity be before the account was open? 
One violation XXXX XXXX Equifax Date XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX how could that last activity be before the account was open? 
Two violations
Consumer complaint received 2024-10-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo made an Overpayment of {$9000.00} to XXXX  XXXX XXXX XXXX XXXX ( XXXX ) against my direction to only pay XXXX  XXXX Half Initial Tax Bill of {$1600.00} until my DC DOB Vacant Property Tax Appeal was decided. Thereafter, Wells Fargo has conducted the following : ( XXXX ) Mismanagement of ( My ) Wells Fargo Account # XXXX by Not Applying the Timely {$1500.00} Monthly Mortgage Payments to the Principle Balance. Instead, Wells Fargo has been Placing these Funds for the Last ( XXXX ) to ( XXXX ) -Months in a Suspended Account, Resulting In Excessive Fees & Late Charges. 

( XXXX ) Mailing Monthly Mortgage Payment Statements with Total Monthly Amount Due {$9900.00} ( XXXX ) Providing False Information ( Lying ) to the VA Loan Guaranty Service that VA Loan # XXXX " Is Behind On VA Home Loan Payments '', while Receiving my Timely {$1500.00} Monthly Mortgage Payments and Not Applying them to the Principle Balance. Instead, Placing these Funds for the Last ( XXXX ) to ( XXXX ) -Months in a Suspended Account, while charging Account # XXXX Excessive Fees & Late Charges.
Consumer complaint received 2024-10-08
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. (IL)

Collection/Debts : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX established XX/XX/XXXX STUDENT LOAN : ALL DEPT OF XXXX/ XXXX established XX/XX/XXXX These debts/ collection doesn't match my address in the data systems. I stay at XXXX address for over XXXX  years. My information has been stolen. I do have a identity theft report for proof. I need these items deleted from my credit report asap