davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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)

Upon reviewing my account records, I noticed that the opening date listed for my account is incorrect. According to my records, I initiated the process to open this account yet the system reflects a later date. 

I understand that errors can occur, and I am reaching out to kindly request that the opening date of my account be corrected to reflect the accurate. 

I have attached relevant documentation, including copies of correspondence and receipts, to support my claim. I trust that with this information, your team will be able to rectify this issue promptly. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXXXXXX Balance : {$260.00}.
Consumer complaint received 2024-05-08
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. (NJ)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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. (NY)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 2024-05-08
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that need to be UPDATED. The 3 credit bureaus must verify thisaccount under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 

XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XX/XX/2022 XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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. (GA)

This marks my initial attempt to inform you that I've fallen prey to identity theft. I'm raising concerns regarding certain entries in my records that stem from this crime. These entries are devoid of any transactions reflecting my legitimate purchases or authorizations for goods, services, or financial transactions. If my plight doesn't elicit any sympathy, I request the removal of any significant information in my credit history associated with the suspected fraud or deceit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
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. (FL)

I am writing to address a concerning issue regarding my credit report. Upon careful review, I have identified this instances of late payments that is inaccurately recorded on my credit history and I would like to dispute this erroneous information. This detail require your attention : XXXX XXXX and XXXX XXXX. 

I strongly believe there is an error in the reporting of this late payment, as I have consistently made timely payments for the mentioned accounts. I also called the banks and they said they would correct and update the accounts. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. 

I am fully aware of the significance of accurate credit reporting and am dedicated to upholding a positive credit history. Hence, I would appreciate your prompt action on this matter. If necessary, I am prepared to provide any supporting documentation to validate my payment history.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-01-24
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 express my concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by [ XXXX and XXXX ]. I believe my rights under these acts have been compromised in the following ways : 1. Lack of Consent : I have not provided explicit consent, whether verbal, non-verbal, written, or implied, for the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties, which may constitute a violation of FCRA Section 604 ( a ) ( 2 ) and GLBA Section 6802 ( b ) ( c ).

2. Nondisclosure Option : I was not adequately informed of my right to exercise the nondisclosure option, as required by GLBA Section 6802 ( b ) ( c ).

3. Adverse Information Reporting : The reporting of adverse information that antedates the report by more than seven years, as specified in FCRA Section 1681C ( a ) ( 5 ), is potentially in violation of the law.

4. Inaccurate Information : I have reason to believe that the information being reported is inaccurate and not maintained with reasonable procedures, as required by FCRA Section 1681s2 ( a ) ( 1 ) ( A ) and Section 1681e.

In light of these concerns, I am choosing to opt-out of any services that involve the sharing of my nonpublic personal information with credit reporting agencies or nonaffiliated third parties. I kindly request the CFPB 's assistance in addressing these issues and ensuring that my rights are protected under the FCRA and GLBA.
Consumer complaint received 2024-08-04
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. (TX)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2023-04-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.
Consumer complaint received 2024-05-08
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. (NJ)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (OH)

On XX/XX/2018 i applied for a credit card with Wellsfargo on line and was told after completing application that i would have to wait until the next business day to find out if i was approved or not. Long story short they declined me until I demanded a manual review of the application with very great income and low DTI. After a review and several complaints about why i was turned down with a XXXX credit score my application was approved. I then asked about the initial application and the information that was in there was not accurate. The rep told me not to worry that it would not be processed and i wouldn't have to worry about it hitting my account. On XX/XX/2018 I notice charge on my account for {$6500.00} that was sent to XXXX Visa which is closed now. Wellsfargo said there was nothing they could do and I would have to see if XXXX Visa would return the funds due them not being able to reverse it. I explained that I did not Authorize this and that it must be a mistake due to the initial issues with the account opening. I tried contacting XXXX Visa to resolve issue and was told that they didn't receive or have any the of transfer to them. I returned to call Wellsfargo to relay the information 2 times after and nothing was done and my account now showed a balance of {$9900.00}. I only wrote a check to transfer a balance of {$3200.00} They have done nothing to correct the fraud but give me a new card number and transferred the unauthorized transaction my new card number and then reported the balance and usage to XXXX Credit Bureau that my utilization is at 100 % and the card balance is at {$9900.00}. I have called back again XX/XX/18 to talk to someone about it and now they are saying they will assign a case to it but will not correct information at the time for incorrect info on my credit report. Every time i call in I get told something different and they are not willing to help I have offered to pay the difference so that this would not affect my credit score or utilization and the representative told me not to worry that they would have this taken care of in a few days and if a balance did report it would only be for the amount I used which was {$3200.00} I also made a payment on the account of {$96.00} on XX/XX/18. I spoke with the customer service manager on XX/XX/18 that said that payment would be reversed back to me to not have the 1st payment being so much. I have gotten no where from calling for over 2 weeks now and as a result my credit score has been affected by this and I feel as if i have been discriminated against with this matter based off the history of the account and having issues with getting the application approved in the beginning. I would like to see that Wells fargo change their practices with customer service and doing things to customers accounts with out their approval and not wanting to correct it when recognized.
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (SD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-24
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)

RE : Discrepancy in Credit Report Listings XXXX XXXX XXXX ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( # XXXX ) across the three major credit bureaus - TransUnion, XXXX, and XXXX. My recent review of my credit reports revealed inconsistent information regarding the open date of this account. 
TransUnion 's report shows an open date of XXXX, while XXXX reports the open date as XX/XX/2023 and XXXX is reporting XX/XX/ also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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. 
I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from XXXX, TransUnion and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. 
I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-01-24
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. (CA)

A third party trying to collect for another company it is against the law for a third party to collect and report wrong information about me Im a victim of identity theft and thay keep saying it verified which is wrong information.
Consumer complaint received 2024-05-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC (OH)

I have sent United Wholesale Mortgage letters of asking for the original promissory note, and asked them why i was never told my promissory note was a security and it was sold. I sent them a recission letter and a power of attorney letter as well. I have gotten responses back of letting me know i have another loan specialist and a quote for a payoff request.
Consumer complaint received 2024-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

I dont know this lender and dont know who they are. This is a third party lender who does not contact me nor has sent me any indication of what this is? I have no accounts with these lenders. They are showing up on my credit report. 

Through my rights, in accordance with 15 U.S. Code 1692g, I old the right to verify the total debt amount, including any fees, and who the original party that is making the claim. violation of 15 U.S. Code 1692d nd shall be subject to State and Federal penalties.

appreciate your efforts in this matter and look forward to your response.
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (GA)

I HAD A VISA CREDIT CARD FROM THIS BANK & THEY CHANGED IT TO MASTER CARD FEW MONTHS BACK. WHEN, I ACTIVATE MY NEW MASTER CARD, I WAS TOLD THAT I WOULD RECEIVE A BONUS OF {$75.00} AFTER MY FIRST.I DID MADE MY FIRST PURCHASE BUT NOTHING SO FAR. I MADE TRANSACTION EVERY MONTH AFTER THAT, BUT I DID NOT RECEIVED MY BONUS OF {$75.00}. THEIR CUSTOMER SERVICE WAS VERY BAD. THEY DID NOT CO OPERATE AT ALL.