davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-05-13
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 sent a complaint XX/XX/2024 regarding unauthorized inquiries on my Transunion report. The CFPB complaint number is XXXX. See the attached FTC report and remove the following unauthorized inquiries from my credit within 7 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Visa XXXX [ debited funds directly from my account ] disregarding the fact that I swiped my visa debit and it has a [ separate ] number for that reason. ( and I didn't open a direct deposit with the merchant in question : Receipt No. XXXX XX/XX/year> XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX )
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Account was settled and closed from XXXX XXXX. however, Experian is refusing to remove it from my credit report nor XXXX XXXX is unable to locate my account ... additionally, XXXX XXXX lost to class action lawsuit and agree to remove any negative credit report from consumer who was effected.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2024-05-13
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NY)

Hi. I am receiving multiple mailing from companies offering me a loan. They are doing that because the credit bureaus ( XXXX, Equifax and XXXX XXXX ) are sharing my personal identifiable information with them. I received a letter for example from XXXX XXXX with the amount of my debt. The letter provides the names and addresses of the credit bureaus to opt out, which I have done and I'm on their do not mail list. The problem is that the information should never have been shared with these companies in the first place. In my situation, the damage is done. My husband found out about it and its a problem for me ( I loaned my brother a significant sum ). 

I receive information from credit card companies assuring me that my PPI is protected, and I have to create passwords to view my data, and the credit bureaus can just share my information without my consent and the burden to call and write letters is on me. 

This isn't right.
Consumer complaint received 2024-05-13
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. (IL)

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 2024-08-29
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)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I recently received a copy of my credit report and found proof that they illegally reporting inaccurate information about me. the alleged collection account is not only listed as being OPEN but also having as having a PAST DUE BALANCE. I sent a dispute letter past 45 days and no response.
Consumer complaint received 2023-05-04
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. (NV)

There is inaccurate information on my credit file. I requested this information to be removed and they were never removed. I will like this information investigated and removed ASAP. 
1. Bankruptcy XXXX XXXX is listed against me. I contacted the said court and they told me there is no bankruptcy listed against my name and social security number.

1. XXXX listed missed payment to my account I do not have any such account ever in my life and I have asked the said institution and they do not have an account with my name on it but still credit agencies will not remove it. 
XXXX. XXXX XXXX XXXX XXXX missed payment I had an account with them but I did not missed payment for 30 days but they reported me to the credit agency they told me they have corrected the record but agencies still holding it against me.
Consumer complaint received 2024-05-13
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)

I am a victim of XXXX XXXX. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, LA XXXX XXXX L XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance - XXXX XXXX XXXXXXXX XXXX Balance : {$50.00} XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2024-05-13
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. (NY)

I just checked and reviewed again my TransUnion, XXXX and XXXX credit reports 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. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-13
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've reached out to the bureaus XXXX on XX/XX/year> trying to update my information because it was some fake SSN and fake names on my report along with addresses XXXX refuse to correct my information. on XX/XX/XXXX I sent certified mail to the company and bureau pertaining to the alleged accounts in the amount of {$1200.00} and an account that the original balance was {$8300.00} but has been written off and sold for {$7900.00} I then asked for their right of ownership, the original contract the validity of the debt. and I received no information after 30 days. I had to call in they stated they sent it to email, and I searched and never found it. I requested that all results be sent to me through mail. In the letter I also included a copy of my credit report with the inaccuracies highlighted and stated that according to the FCRA that their job is to report 100 % accuracy & 1692g they're suppose to provide the information requested for the validity and they just sent it back as verified with no removal or updated information which violated the federal law. Also spoke with a representative on XX/XX/XXXX I want to say, he stated that he seen the inaccuracies I mention as we discussed it verbatim on the call and stated he can submit another dispute for me on their end. I asked him " so if you see the inaccuracies then why are y'all willing reporting it to my credit ''. He then stated " well it falls of in XXXX anyways ''. So, to know they are willingly and purposefully reporting that damage on my credit & defaming my character. Also prevented me from being able to buy my house and obtain funding.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX  and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-05-13
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. (NY)

I am writing to bring to your attention a concerning issue regarding fraudulent inquiries on my Transunion credit report. Upon reviewing my credit report, I discovered unauthorized inquiries that have negatively impacted my credit score and financial standing. These inquiries are clearly fraudulent and were not initiated by me. 

I have taken immediate action to protect my identity and mitigate any further damage by filing a complaint with the Federal Trade Commission ( FTC ) and initiating a fraud alert with the major credit bureaus. However, I believe it is crucial to bring this matter to your attention to ensure that appropriate measures are taken to address and rectify this situation. 

The unauthorized inquiries on my credit report not only undermine my financial stability but also raise serious concerns about the security of my personal information. I am deeply troubled by the implications of identity theft and the potential ramifications it may have on my future financial transactions and credibility. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to remove the fraudulent inquiries from my credit report. Additionally, I urge you to work closely with the relevant authorities to hold the responsible parties accountable and prevent similar incidents from occurring in the future. 

Please find enclosed copies of the documentation related to the fraudulent inquiries, including any correspondence with the credit bureaus and the FTC. Your prompt attention to this matter would be greatly appreciated.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AZ)

I received an email on XX/XX/year> concerning a past credit card debt of XXXX. The email said I could pay XXXX to settle an close the account. The next day called them and they accepted to settle and close the account for {$940.00}. The confirmation number for the settlement is XXXX. They also said they would send me a receipt by email that I would have to sign and send back immediately to expedite the closing of the account to report to the credit bureaus asap. I received the receipt by email on XX/XX/year>, signed it, and sent it back within XXXX minutes. I just woke up the an alert on my email from XXXX. It says I have a remaining balance of XXXX on that same debt that was supposed to settled and closed. This is misleading the consumer and I believe fraudulent. Can someone please help
Consumer complaint received 2024-06-04
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: Radius Global Solutions LLC (TX)

I was tryna by a house and I realized I have few damages on my credit report according to the 15 USC 1681 LAW, their should not be any damage to my report is a defamation XXXX XXXX XXXX Date : XXXX Amount : {$9000.00} XXXX XXXX XXXX XXXX Date ; XXXX Amount : {$2600.00} RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX Date : XXXX Amount : XXXX XXXX XXXX XXXX XXXX Date : XXXX Amount {$970.00} XXXX Date : XXXX Amount : {$17000.00}
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (MI)

NCB Management Services Inc appeared on my credit report this this past year as a collection stating that I owed {$3600.00}. The original creditor was XXXX ( which I think may be a payday lender ). The loan was for around {$3500.00} in which I paid every 2 weeks a large sum with very high interest rates ( 3-400 % disguised as FEES ). I paid approximately 1/2 the loan off and when I asked to re-borrow the extra debt was added to my balance but I never received the the extra funds. So I stopped payment. When I saw this collection on my credit report I called XXXX XXXX XXXX  XXXX was told they were only the financier and then I called XXXX but both said they have nothing to do with the loan. So I called NCB and asked for a compromise and we agreed to {$1200.00} payment and deleted from credit report. But they would not send me a letter stating this and I have found debt collectors to lie. So I filed with the XXXX  offering to pay {$500.00} and removal from credit reports, but this has not solved the problem either. How did the balance get to {$3600.00}?
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (LA)

I do not know who FAIR COLLECTIONS & OUTSOUR is. I did not give them information to report nor I have I done business with this company. It is showing up on my profile and causing me to get denied for housing. I did not give them my information.
Consumer complaint received 2024-06-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Amcap Investments, LLC (TX)

Loan was set-up with FHA to not include taxes or insurance. I didn't realize until insurance was due so didn't have the money and had to have forced lenders insurance and ppay my own taxes, In addition, they put PMI that stays on the life if the loan when I was told it would fall off after 22 % of original amount was met. It's a mess.