davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-01-22
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. (TX)

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$120.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$340.00} XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2200.00} -XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2200.00} 15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately!
Consumer complaint received 2024-05-07
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. (TX)

I hope this message finds you well. I am writing to follow up on our ongoing efforts to correct the late open account on my record. Despite our multiple attempts, I regret to inform you that this issue still persists. 

As we enter the seventeenth attempt to address this matter, it is crucial to emphasize the urgency and importance of rectifying this discrepancy promptly. The presence of a late open account not only affects my credit score but also raises concerns about the accuracy and integrity of my credit information. 

I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CA)

On XX/XX/year> I reported to Federal Trade Commission report and Police Report that I am a victim of Identity Theft from XXXX XXXX ( Lender ). Now, I learned XXXX the second time that Radius Global Solution Collection via T-Mobile that I have standing balance of {$3100.00}. I learned that my personal information was used to open a credit card under XXXX XXXX XXXX  and XXXX. I did not open or authorize these accounts. I therefore request that it be clear my identity and place fraud alerts. Looking forward to hearing from you. pls contact me via email at XXXX. Thank you
Consumer complaint received 2024-06-22
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. (CA)

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
XXXXXXXX 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 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within XXXX days. Enclosed are supporting documents.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As a consumer, I have subscribed to Transunion monthly subscription service, which is advertised to include the ability to freeze and unfreeze my credit online at any time. However, despite paying the monthly fee for this service, I have consistently faced difficulties in utilizing it as advertised. 

Specifically, I have found myself unable to freeze or unfreeze my credit online through Transunion 's platform. Instead, I am forced to contact their customer service department every time I need to enact a credit freeze or unfreeze, which is a cumbersome and time-consuming process. 

This failure on Transunion 's part to provide the promised online credit freeze and unfreeze services constitutes a violation of consumer rights and fair business practices. It is unacceptable that despite paying for this service, I am unable to access it conveniently online as advertised. 

I kindly request that the CFPB investigate this matter and take appropriate action to address Transunion 's non-compliance with consumer protection regulations. Additionally, I would appreciate guidance on how best to resolve this issue and ensure that Transunion fulfills its obligations to consumers moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in addressing this concern.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (TN)

A hard inquiry regarding a Wells Fargo Service card has been added back to my credit report via XXXX and XXXX XXXX. Its showing under my XXXX report but after reaching out to XXXX themselves, they arent seeing it on their end. This inquiry was deemed fraudulent almost a year ago and was removed last year XXXX. It has appeared after almost XXXX  months. The inquiry is dated XX/XX/XXXX of 2022.
Consumer complaint received 2024-01-22
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)

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. The status needs to be changed to " PAID, CLOSED/NEVER LATE ''. If not changed i will be forced to take legal action Heres the list that has erroneous inaccurate info on my credit. Must be REMOVED immediately!!!! 

DEPT OF ED/XXXX Account : XXXX DEPT OF ED/XXXX Account : XXXX DEPT OF ED/XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (TN)

I am an account holder with American Express Serve, and recently my account as well as the lohin information was fradulently used. My bank failed to allow timely access by restricting me from updating the information required to bypass the 2-step verification process and resetting the password. This allowed for unauthorized transactions on the account during the period that I was unable to access the account. This incident has now been identified as identity theft, and this includes the past 12 months in which transactions and the tampering and missing of funds have become evident. The bank has been notified and have not made the necessary changes to the account including returning such funds that I disputed.
Consumer complaint received 2022-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The Foreclosure of my property occurred while the loan modification review was taking place and in effect. MY lender continuously requested bank statements and pay stubs as well as any other supporting documentation, however, the lender did not cooperate with me nor keep your home California and proceeded to foreclose my property, I strongly believe that the Lender failed to comply with civil code2923.6 2924.10 2924.12 2924.18 2924.19 and both the state Senate and Assembly : AB278 and SB900 commonly known as " The Homeowners Bill of Rights XXXX XXXX XXXX XXXX XXXX stole my Hard Earned money a total of XXXX XXXX XXXX by lying to my as i just found out they have being doing to dozens of other people. they promised me a loan modification and they claimed to have attorneys and experts working on my case but they don't they forged my signature and committed bank fraud on my modification application by claiming that i collect government benefits in order to pay for my bills and mortgage payment, all of that information was false and was put in to the paperwork well after they tricked my in to signing blank forms.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year> I received an alert that XXXX / XXXX accessed my TransUnion credit report without my consent or knowledge. I contacted them and was directed to the XXXX XXXX XXXX that took a report and advised they would investigate and correct the issue as appropriate. I received a letter on XX/XX/XXXX saying they would remove the inquiry.
Consumer complaint received 2024-05-07
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. (KY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance XXXX {$7800.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wrote to your company indicating my dispute of information in my credit report. Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please remove the late payments from this account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
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. (TX)

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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX  there was a letter sent to Transunion asking them to remove incorrect personal info that doesnt belong to me and is reporting to my credit report regarding. I have no knowledge about the information I listed. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This has been an ongoing issue for me with XXXX XXXX. I opened this account for credit a building opportunity. During the pandemic, I begin to experience hardships that I knew would potentially affect my credit and account. I called creditor to make an accommodation under the CARES ACT, and I requested for the account to be closed to prevent any damage to my credit profile. I paid the account as agreed. On my credit profile it is now showing late payments.

I've contacted the credit reporting agencies numerous times for inaccurately reporting late payments on this account. 
Per 15 USC 1666B a creditor may NOT treat a payment on a credit card account under an open end consumer plan late for any purpose. 

I have paid as a agreed and no late payments should be reflecting on this account.
Consumer complaint received 2024-01-22
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. (CA)

I sent a request to block information on my credit report to XXXX  because it was fraudulent. They sent me an email that they thought i didnt send the request myself and that they are not going to do it. They have to remove these fraudulent accounts from my credit report by law according to t he FCRA.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-11-03
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. (TX)

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 2021-06-30
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (VA)

I had an Amazon credit card ( Synchrony Bank ) that was " hacked '' and they purchased XXXX worth of items. I did not purchase anything nor did I receive anything. If I did, I would have sent it back. This purchase was made back in XX/XX/2020 and I am still dealing with it today, XX/XX/2020. Since they have a zero fraud policy, I have yet to get my money back.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-17
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: Bread Financial Holdings, Inc. (TN)

XXXX XXXX : XXXX. XXXX, XXXX  XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX  These are the XXXX hard inquiries on my credit reports. I have tried to reach out to the banks and consumers to verify the Inquiries and they couldn't find any applications or information under my Name, Phone number, or SSN.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act : 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 an account without my written instructions.
Consumer complaint received 2024-05-03
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. (AL)

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.