davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
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 inquiry listed below is reported on my credit file and was found in my reports with Transunion 's credit reporting agency. This inquiry was 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 regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided 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 inquiry removed from my file. 
XXXX XX/XX/year>
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to dispute the inaccurate and inconsistent information reported across all three major credit reporting agenciesEquifax, XXXX, and XXXX XXXX of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted from my credit report
Consumer complaint received 2024-06-20
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. (OH)

This consumer credit reporting agency claimed to have verified errors, balance and inaccuracy 's on my credit report, how is this possible. This account has no balance as you can see attach letter from the furnisher on page XXXX marked in the box with the XXXX. Make sure you look on page XXXX as the CFPB will have this on record. So there for this account must be deleted or remove from my credit report right now Account : XXXX XXXX XXXX
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Date : XX/XX/year> Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX Rd., XXXX XXXX XXXX, MI XXXX Last 4 of Social : XXXX Credit Bureau : TRANSUNION RE : REINSERTION OF INACCURATE ACCOUNTS WITHOUT NOTICE OF REINSERTION To Whom It May Concern, On XX/XX/XXXX I disputed several accounts being reported by TRANSUNION in the file they maintain under my Social Security number. I was informed on XX/XX/XXXX that the negative accounts were deleted from my credit report. 

Now I have discovered that the items have been reinserted onto my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 

Please govern yourself accordingly. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2019-07-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Never use a Capitalone360 checking or savings account. Now all my money is blocked, in brunch on the phone, a blatant woman explained to me that I have a lot of claims transactions. I was given dispute credit more than I have money in the bank. What? I looked at the statements for the last year. What fake information she gave. I have more than a few thousand more of my money in a savings account. You can close my accounts but give me my money. People without education who really know nothing about banking work there. Very soon I need to contact a lawyer, and try them for the fact that they illegally held my money. They dont care what can be, I dont have money for what to live? What to buy products and pay for a credit card? This is the first time in my life when I had such a story.
Consumer complaint received 2024-06-15
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-17
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. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dispute XXXX [ The following examples are meant to be helpful, include all disputes that apply ] Item in dispute : XXXX XXXXXXXX XXXX XXXX, account number : XXXX Source of dispute information : XXXX XXXXXXXX XXXX  Type of disputed information : Mortgage payments Dates associated with item being disputed : XXXX  XX/XX/2023 Explanation of item being disputed : The mortgage bank increased my payment due to an escrow increase. I didnt receive notification of the increase so for two months my automated payment was short for a total of XXXX dollars, which I paid immediately upon discovery of the shortage. After numerous phone calls with XXXX XXXX XXXX, the said that that the phone number that had for me was wrong. It was a phone number that Ive never heard of and not close to any existing number Ive ever had ( I have the phone recording ). On the phone call, which I have recorded, they stated that they were wrong and it shouldnt have been reported for an escrow shortage. I have made my payments via billpay XXXX XXXX XXXX XXXX XXXX every month without exception. My XXXX XXXX Payment history bank printout is attached.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-07-16
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: Experian Information Solutions Inc. (CA)

Experian is allowing XXXX, XXXX XXXX XXXX to report a fraudulent account number XXXX using my last name which I have them no authorization to use my last name to create a fictitious account number to a record that is sealed from general public, Docket number XXXX, not XXXX XXXX or whatever, and it is permanently sealed from third parties, third parties that includes the CRA 's, I know my rights, and they are constantly being violated by Experian, and this creditor, numerous attempts have been made personally with the unlawful detainer law firm to quit reporting, and performing outside of it's legal capacity, but they feel they are above the law, so that is when the credit bureau Experian is supposed to delete the inaccurate information from XXXX XXXX XXXX XXXX, it states clearly in bold letters on Experian 's emails sent to me after disputing, ( stating Experian will delete the item if it is proven to be inaccurate even if the creditor disagrees ) well I've proven on more than XXXX seperate occasions the information is inaccurate, but Experian goes against their policy and state ( We are not obligated to investigate this dispute again ) which is a load of XXXX., because I will dispute XXXX XXXX XXXX XXXX on the XXXX of XX/XX/2023, and they will throw it in the garbage the next day closing out my dispute the morning of the XXXX of XX/XX/2023 without even investigating. That is a violation of the FCRA, and it is a violation of my right to privacy, and right to fair, and accurate credit reporting. The CFPB needs to do something about this, because it states clearly on the CFPB Webpage that the ( CFPB are in the process of investigating CRA 's reporting sealed public records, public records and other information they have no business reporting ). No matter how many times Experian listens to the creditor because they care more about getting cashed out by their client to report inaccuracues, rather than reporting fair and accurate information, and that I have a serious problem with. This is my credit, my life, and I should not be receiving adverse letters of denial of credit from companies that pull from.my Experian report, and find inaccurate information being reported negatively about me, all because of Experian 's Greed for money, I am urging, and begging the CFPB to sue this company. If they are going to continue to report inaccuracies, and have me denied loans, then Experian can cash me out directly
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 permission
Consumer complaint received 2024-06-15
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)

In response to a few problems I've had with the credit bureau, I'm writing to voice my concerns. Among these problems include irregular billing, wrong credit reporting, several fraudulent queries, false account listings, and accounts that are not mine.
Consumer complaint received 2024-06-20
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. (VA)

I reported fraud on my credit report due to some inquiries that were listed on my credit reports that I did not authorize or make. I disputed the items several times, have talked to the companies and no one seems to be able to fix the issue. According to the facts legally these unverified and unauthorized items must be removed immediately. I have yet to have this done. I have company names and dates of each inquiry as well.
Consumer complaint received 2024-06-15
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)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX ( late payment ) XXXXXXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-14
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: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXXXXXX XXXX  - ACCOUNT # XXXX XXXX. XXXX - ACCOUNT # XXXX XXXXXXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXXXXXX XXXX - ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to dispute the inaccurate and inconsistent information reported across all three major credit reporting agenciesEquifax, XXXX, and XXXXregarding one of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted from my credit report. Please see screenshot attached :
Consumer complaint received 2024-06-15
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 reviewed my consumer reports and found two late payments listed for an account that was never late. Consumer reporting agencies play an important role and must report information as accurately as possible. According to 15 USC section 1682e. I have never been late on the payments for the accounts shown in the attached screenshot for inaccurate reporting from dates XX/XX/year> ( shows okay on XXXX but shows 30 days late on XXXX ) XX/XX/year> ( shows okay on XXXX but shows 30 days late on XXXX ) Please investigate and provide statements proving these payments were late. If you can't provide proof, I request that these payments be updated to " paid as agreed '' since they were never late. Thank you! Please see the attached screenshot.
Consumer complaint received 2022-01-11
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: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I looked at my credit report on XXXX, 2024 and I saw some late payments that suppose to be on time. I sent a letter to XXXX. 
Please delete 30 day late payment from my credit report due to violation of 15 USC 1681s-2 ( F ) Please Update the payment to paid on time and never late.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 US.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 of information Any other adverse item of information, other than records of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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. 

Accounts XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-15
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. (AZ)

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-15
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.