davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Request Method of verification for the unauthorized charges of XXXX XXXX  credit card Account on my TransUnion credit report. Dear TransUnion, I am writing to formally request the method of verification used in your investigation concerning the XXXX credit card account listed on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I have the right to request and receive the description of the procedure used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher of information contacted during this investigation. Please provide me with the specific details of how this account was verified, including : 1. The name of the person or entity you contacted at XXXX XXXX. 
2. The method by which the verification was conducted ( e.g., by phone, mail, electronic communication ).

3. The documents or records used in verifying the account 's validity.and the unauthorized charges on this account. 
I appreciate your prompt attention to this matter and look forward to receiving the requested information within the time allowed by law. If you are unable to provide this requirements. Please remove this account from my file immediately. 
Thank you
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-07
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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-07
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. (AL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-07
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)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

While trying to establish a trust account for my XXXX assets, Bank of America has continued to ask for additional documents to finish up the process. I met with Bank of America on XX/XX/XXXX at the branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. At this appointment, we were able to establish the XXXX XXXX account to consolidate my fathers assets. Upon leaving the appointment, I felt I was in a good position to move forward with this process. Come to find out, I was wrong. I spoke again with the estates team to move the cash to this newly established account, but this is when things went wrong. I was told there was now a review process to finish up the account and I needed to provide the documents provided in branch again, as they never received them. I had to fax trust documents again to prove I am who I am and to move the process along. This now is another XXXX day process for review. I waited until XXXX to contact the company again to find out if we are now approved, only to learn they need additional documents. I requested the forms to be sent to me, but I never received anything from the bank. Now today, XX/XX/XXXX, I called the bank again to find out why I hadnt received anything to complete their needs. What they decided to tell me was they had sent the paperwork to the wrong person and wrong address, luckily, they are family. The negligence of their actions could have cause more harm than good and we are now at a point there is another waiting period. In speaking with the estates team, they assured me I could stop by a local branch to get the forms and submit them. I decided to stop by the branch at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX to acquire the form. While in the branch, I was told I could not be seen or get help as I had to have an appointment. When I requested the form itself, the individual decided to give me attitude about how to get the form back to the company. He was not helpful and would not provide the paperwork requested. The only help I was able to get was from a rep on the estates team who was finally able to send me the forms by email. So here we are on XX/XX/XXXX, waiting for access to these funds to help pay for expenses we have incurred since my father has passed away only to be met with continued lengthy processes. I have had to continue to take time off and out of my day to try and resolve these issues.
Consumer complaint received 2023-06-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: INTERCONTINENTAL EXCHANGE, INC. (OH)

XXXX XXXX XXXX of Florida, no longer in business, assigned our mortgage on XX/XX/XXXX ( XXXX XXXX, Ohio, Volume XXXX, Page XXXX ). This mortgage was then assigned to XXXX Mortgage on XX/XX/XXXX ( XXXX XXXX, Ohio, Volume XXXX, Page XXXX ). This mortgage was then assigned to Mortgage Electronic Registration Systems as a nominee for XXXX XXXX XXXX, no longer in business, on XX/XX/XXXX ( XXXX XXXX, Ohio, Volume XXXX, Page XXXX ). XXXX Mortgage issued a foreclosure on this property, located at XXXX XXXX XXXX, XXXX, Ohio, XXXX, AGAINST the advice of the XXXX XXXX NOT to do so. This mortgage subsequently was modified and we are STILL PAYING on the original mortgage to another loan servicer. For some reason, and I believe due to the attempted foreclosure and subsequent modifications, liens are showing against the above mentioned property. It is our desire to have these liens removed so that we can move forward with a sale of the property. Thank you in advance for your assistance in this matter. It is greatly appreciated.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Filing a personal complaint regarding late payments on credit record. Review revealed these late payments. Sent letters over 30 days ago with no response received. Satisfactory validation not provided. Requesting assistance for prompt, effective resolution.
Consumer complaint received 2024-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Revolving account missing from credit report on transunon and XXXX,, Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner - Account Type REVOLVING Creditor Classification - Loan Type FLEXIBLE_CREDIT_CARD Original Creditor Name - Months Reviewed XXXX Activity Designator - Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$1100.00} Credit Limit {$15000.00} High Credit {$2100.00} Available Credit {$13000.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency - Comments and Contact For questions regarding this account please contact : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - XXXX - XX/XX/year> - {$28000.00} Bankruptcy - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2023-11-01
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: Experian Information Solutions Inc. (MI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-07
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)

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my XXXX XXXX  XXXX, posing a significant risk to my financial security and identity integrity. You have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-10-07
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-11-01
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

On XXXX XXXX XXXX, Carrington Mortgage reported a 30 day late on my XXXX report. I could only make payments by phone or mail due to the status they have on my account. I also have no online access, as I do others, due to me getting off after they close because of this status. I called and spoke with XXXXXXXX XXXX XXXXXXXX. I was confused on what the payment should be due to all of the different statements stating credits then the amounts were all different. She took a regular payment from me and stated this payment would not effect my credit due to she saw what I stated as well as my reporting is being SUPPRESSED due to they had not finalized my account from Bankruptcy status. The next day I got an alert after making this payment and they reported 30 days late. I called back and spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they both ASSURED me they were NOT reporting due to it being SUPPRESSED! One Gentleman gave me a research team fax number so they could look into this. I faxed and received a letter dated XXXX  stating its would take 30 days!. They also reported that my account was being sold and this is not true. I decided not to go through with the refinance but yet they reported after the fact. My insurance was not paid from escrow and was cancelled due to their negligence of my account. The payment to my insurance company was rejected because the account showed it was being sold. This company also told me they were still working on a dispute I put in the month of XXXX when I called in the month of XXXX. This company has caused me stress and frustration, a lapse of insurance, a loss of XXXX XXXX, and my commercial purchase has been affected with their derogatory reporting and improper handling of my account. I have also filed a XXXX XXXX XXXX complaint and they have yet to respond. ( Several complaints discovered there with the same issue )
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have recently seen my credit reports and noticed that there's inaccurate information on my credit reports. It's hurting me to obtain credit. My understanding that you will investigate to assure accuracy. Please investigate the credit reporting agencies such as Transunion and XXXX.
Consumer complaint received 2024-08-29
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. (PA)

I'm XXXX XXXX XXXX. I'm writing to share my concerns about several issues I've encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.
Consumer complaint received 2024-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2024-10-06
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)

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2024-10-06
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX D.O.B. XX/XX/XXXX SSN:XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, Pa. XXXX I am writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report. 

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and does not reflect my true financial status.

2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history.

3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency. 
I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.