davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 2024-04-30
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. (MA)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (MS)

My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2024-04-30
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. (TX)

I am writing to express my deep disappointment with the lack of response to my previous dispute letters sent on [ date or dates ] regarding inaccuracies in my credit report. Despite your obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and respond to consumer disputes in a timely manner, I have yet to receive any acknowledgment or resolution of my concerns. 

As outlined in my previous correspondence, I have identified several discrepancies in my credit report that require immediate attention. These inaccuracies have the potential to adversely affect my financial standing and opportunities, which underscores the urgency of addressing them promptly. 

I remind you of your responsibility under the FCRA to conduct a thorough investigation into the disputed items on my credit report and to provide me with a written explanation of the results within 30 days of receipt of my dispute letter. Failure to do so not only violates federal law but also undermines the integrity and purpose of credit reporting systems designed to ensure accuracy and fairness for consumers. 

I hereby request that you expedite the investigation of my disputes and provide me with a comprehensive and transparent resolution at your earliest convenience. Additionally, I expect to receive written confirmation of the actions taken to rectify the inaccuracies in my credit report. 

If I do not receive a satisfactory response within the specified timeframe, I will be compelled to explore all available legal avenues to enforce my rights under the FCRA, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

I trust that you will take immediate action to rectify this matter and uphold your obligations under the law. Thank you for your attention to this urgent matter.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

By provisions of the Fair Credit Reporting Act, I exercised my right under the FCRA, section 609, and requested all information related to the debts listed on my credit report. I am entitled to all documents related to the item listed above. Including each original credit application and original contract containing my correct full name, address, and signature. If they can not verify all data including dates, balances, or any personal information by locating the original contract to validate a given item on my credit report the must remove the item from me report and have not done so. They have ignored my request to provide me with the original documents that they claim to used to verify my disputed account errors which means that they have NOT verified or you can not verify any account and under Section 611 ( S ) ( A ) of the FCRA-they are required to " .promptly delete all Information which can not be verified. This law is clear to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) they have failed to comply with this Federal Law.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Only TransUnion is reporting the listed accounts. These accounts have multiple errors including Incorrect full name Wrong Address Wrong term Date Opened Incorrect Balance Wrong History Last Payment Made and Date Closed. 
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 2024-11-14
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. (GA)

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

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name XXXX XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX and list of Inquiries 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 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

The Credit bureaus stated my account was properly investigation but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, and dates last reported is not accurate. This is 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debts, nor therefore any such debts, in fact therefore exists.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

On XXXX, I called experian trying to get 1 hard iqury off my credit report.this was my 5-6 attempt the inquiry was dated XX/XX/XXXX  and it was not me who made the Inquiry.so I tried on and calling asking them to remove and I think they removed it but they also punished me by putting up a fraud alert now look at the date its almost 2 years old and after 2 years it comes off your report anyway.the Supervisor I talked to was very rude asking me if it was fraud.i told him I don't know very rude man.if some how you guys can get the fraud alert off my record it would be great.he put it on for 1 year that is crazy
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I pulled a copy of my consumer report and notified your agency on XX/XX/year> about some items I disputed. Care was NOT taken into this matter as it has yet to be resolved in a manner thats FAIR and EQUITTABLE to me, the consumer per the Fair Credit Reporting Act regulations. I mailed off my notice to your agency and you responded with the accounts being verified and currently remain on my credit report. 
I explained the violations your company committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent violating the permissible purpose section of the FCRA. This leads to way of identity theft, violating the block of information resulting from identity theft section, which leads to a violation of the civil liability section of the FCRA. I informed your agency of all of this in my previous notice.

Your agency has clearly refused to obey the law and honor my previous request so I am requesting now a reinvestigation and demanding that your agency to explain your Method of Verification, in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in Case of disputed accuracy section, 15 U.S Code 1681i ( 7 )
Consumer complaint received 2024-11-14
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)

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 2021-02-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland funding has lied about service ( I have proof- they claimed to serve an ex husband and he not only never lived in this state but the description is way off ) they never served papers, postmarked an envelope for XX/XX/XXXX, obtained a writ on XX/XX/XXXX on a judgement by default from XXXX which again I was not served and had no knowledge of the debt.
Consumer complaint received 2024-04-30
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 recently reviewed again my TransUnion credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2023-09-21
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)

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-04-30
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)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-04-30
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 have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (DC)

US Bank linked my brothers checking account to my mortgage account for payments. My name is the only one on that mortgage. This is a data breach. They never could explain how this happened or why.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, TransUnion, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX XXXX XXXX XXXX XXXX XXXX show 30 days late payment on XXXX & XXXX payment is inaccurate ) ( date last active ) reporting differently on each bureau ( TransUnion XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX show 30 days late payment on XXXX. Payment inaccurate ), ( date last active ) reporting differently on each bureau ( TransUnion XXXX  ) ( XXXX XXXX XXXX XXXX XXXX ) ( account need to delete the company couldnt verify my information, high balance need updated ) reporting differently on each bureau ( TransUnion XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) ( accounts need to remove deleted & updates the company couldnt verify my information ) reporting differently on each bureau ( TransUnion XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( show 30 days late payment on XXXX Payment is inaccurate ) ( date last active ) ( reporting differently on each bureau ( TransUnion XX/XX/ ) ( XXXX XXXX XXXX XXXX XXXX # XXXX ) Show 90 days late payment on XXXX XXXX XXXX. payment is inaccurate please update ) reporting differently on each bureau ( TransUnion XXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) Show 60 days late payment on XXXX & XXXX. Payment is inaccurate please update ) reporting differently on each bureau ( TransUnion XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) reporting differently on each bureau ( TransUnion XXXX ) ( TXXXX XXXX XXXX XXXX XXXX XXXX ) reporting differently on each bureau ( TransUnion XXXX ) Regular inquiries ( 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 This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. XXXX5 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-04-30
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (MD)

In XXXX, we were approached by a company led by XXXX XXXX out of XXXX GA, advertising 1 % mortgage loans. We had just purchased our property in XXXX using both incomes. At the time of the claim to provide a 1 % mortgage, my wife was unemployed so the reduction in the interest rate was attractive to me. The company refinanced the loan with my income giving us two mortgages. The payments were made but we got behind on our other debts trying to keep up with the mortgage payments. In XXXX, we filed for bankruptcy under chapter XXXX. The bankruptcy filed a motion to avoid the second XXXX. The bankruptcy was dismissed in XXXX and we did not hear anything from Bank XXXX XXXX on the XXXX XXXX. We were able to modify our XXXX loan which was sold to XXXX and was able to get back on track. On XX/XX/XXXX, we received a notice of intent to foreclose from XXXX Mortgage XXXX. We have not received or hear from XXXX Mortgage since the loan was closed in XXXX. The loan was serviced by Bank XXXX XXXX which we were under the impression that it was sold to XXXX We have not received anything from XXXX since filling the bankruptcy. I am filing this complaint because I believe that the loan was made under fraudulent pretenses, we were taken advantage of by placing us into a loan that should not have been approved based on the one income. Additionally, with the motion to avoid the XXXX, there was no communication that this had changed.
Consumer complaint received 2024-04-30
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)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I filed a dispute with Experian and submitted a letter from the Bankruptcy Court who stated and verified they do not share personal information to third party agencies. I have not given Experian any rights to share my personal information nor have I signed a release to release my information. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor or Court to receive and publish my personal information.

2. The contact information for the Court that provided my personal information 3. The name of the person who verified the item to you and proof of my signature that you had permission to search for my information, publish it and share my personal information. 
4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth and a signature. 
I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (TX)

I was the victim of identity theft by a former roommate, XXXX XXXX XXXX. The account with AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX  was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an ID Theft Affidavit with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX