davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-05-16
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 disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress 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  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2019-08-29
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: EQUIFAX, INC. (CA)

On XX/XX/2018 I applied for a car loan with XXXX XXXX XXXX I specifically signed document not to share or make inquiries into my credit from any other financial institutions aside from XXXX XXXX! They made inquiries for over 30 days attempting to finance my purchase with over 12-14 companies which I never gave written authorization or consent to do so I contacted the finance department at XXXX & they agreed to get those inquiries removed which they never happened. I was also told it would not affect my credit score because it would only count as on inquiry but it took more than 48 points from my credit score.I contacted all of the credit bureaus for assistance with no response or results.
Consumer complaint received 2024-05-16
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)

Violation of Consumer Rights under 15 U.S. Code 1681c-2 I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter.

Details of the affected account : I will attach account below I have previously submitted a detailed report of identity theft, along with supporting documentation, to Transunion. Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file.

Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft.

I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law.

I kindly request that Transunion conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report.

I trust that Transunion will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue. 
Sincerely,
Consumer complaint received 2024-08-31
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)

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2024-05-16
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. (PA)

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 2024-05-16
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. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (OK)

I was checking my report and I saw that several inquiries were made under my name but were not mine on Equifax, XXXX and XXXX. I was able to talk to equifax and they were able to remove 2 of them but XXXX and XXXX just ignored me and mentioned I needed to talk to the creditors. The Equifax accounts that are not true are XXXX XXXX which i did open an account in XX/XX/XXXX and is reporting but it shows i applied again in XX/XX/XXXX. That is false no reason to apply for the loan when i was already approved before in XX/XX/XXXX. Same thing with my XXXX XXXXXXXX i have an account from XX/XX/XXXX that i was approved and it says another account was tried to be opened in XX/XX/XXXX So that one needs to be removed. In XXXX is XXXX XXXX in XX/XX/XXXX and XXXX XXXX in XX/XX/XXXX. I have a XXXX Account with XXXX and i just now opened up a personal credit card in XXXX that XXXX in XX/XX/XXXX is incorrect. 

Please help as my I have been a victim of several mail Theft where my mailbox has been left open and also i have picked up my mail on the street.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 Subject : Inaccurate Information Reported by Experian Dear CFPB, I am writing to report inaccuracies in my credit report as provided by Experian. I have reviewed my credit report from Experian, and I have identified the inaccuracies of my name listed in my personal information. 

The inaccuracy of my name could affect my ability to obtain credit. I have already contacted Experian regarding this matter, but I have not received a satisfactory resolution. I believe that these errors are a violation of the Fair Credit Reporting Act. 

Enclosed with this letter are copies of my Car Insurance, Driver 's License, and my electric bill. I go by XXXX XXXX XXXX, XXXX XXXX XXXX and no other. I respectfully request that the CFPB investigate this matter and assist me in resolving these inaccuracies. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, CFPB, EXPERIAN KEEPS PUTTING A NAME ON MY CREDIT REPORT I DON'T USE IF THEY DO IT AGAIN I WILL YOU PERSONALLY
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (TX)

Regarding BBVA USA Tried logging into their app XX/XX/2021 and it says services not available try again later.No big deal I'm fine paying the late fee however on month later on XX/XX/2021 same issue. They put their hours for customer service online as XXXX - XXXXXX/XX/XXXX I call at XXXXXX/XX/XXXX and they have a message saying they are closed and they had changed their hours. 

I have been denied access to my online account. I had previous call and asked for a compliant to be filed because of my online issues. Previously it wouldn't process my payments. Instead of fixing the issue I can't even get in. Now my online ID is locked. But I can't call them since they posted wrong hours. 

They have in bad faith created a situation that will negatively effect my credit and financial future. Additionally they have posted fraudulent hours online. Which made me believe I had time to call. Which I did not.
Consumer complaint received 2024-05-16
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 am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2024-05-16
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. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-03-13
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-16
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. (NY)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-05-16
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 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 2016-01-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WI)

My loan was modified with a Hamp as XXXX XXXX. ( I have attached my Modification agreement ). Per my modification I was told that my New loan included all back payments owed which included interest, any fee 's and back Escrow, owed. I have made my payments except in XXXX lost my job, so instead of falling to far behind I entered into a payment plan that increased my payment {$700.00} a month to catch up for the one payment behind.I paid my payment plan as agreed, with hardship to my family, but I want to keep my home. My last payment on the plan ended in XXXX which they deducted from my account. This month when I went to make my original modified mortgage payment of {$2000.00}, Nationstar would not accept my payment and I was told I was late for my XXXX and XXXX payment because they had increased my monthly payment to {$2600.00}. They stated they did this because of my new Escrow analysis. When I questioned how it went up {$680.00} a month, when My HOI only went up {$180.00} but my real estate taxes went down a XXXX my payment should have stayed pretty much the same.Nationstar said that I was in the negative because they were going off the escrows dated back from XXXX. ( I have attached my Escrow analysis ). My dispute with them is that when my Loan was modified all these cost should have been included in my new mortgage, The note I signed did say moving forward my payment can increase/decrease due to escrows, I understand that, but it did not state that I owed back taxes and Insurance that would need to be repayed on top of my new modified payment. That is setting people up to lose their home. With My XXXX mortgage payment dated XXXX/XXXX/XXXX my escrows should have started at a XXXX balance or at the very least neg whatever the reserve requirements are. How can anyone afford such an increase, and if I am correct they will once again increase my payment next year, when they rerun my Escrows. Nationstar Mortgage has reported to the credit bureau that I am 120 days late, destroying all my efforts of my Credit repair, and have also stated if I do n't pay the {$3400.00} by the end of the month, my loan will have foreclosure proceeding started. I am devastated, I have a decent job and I am trying so hard to re-establish myself. Selling is n't an option my home is way under water. I believe that Nationstar mortgage has knowingly and willingly set myself and I am sure other Homeowners up to fall behind on their Mortgage payments and having to enter into another Modification process, which is the option they gave me. I need some help or an answer as soon as possible. I do n't have want to be dragged into the Modification process again, It took 7 years, Thank You Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX  Account Number XXXX
Consumer complaint received 2023-10-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (FL)

This charge off has been reporting a late payment which is again against FCRA regulation. This is a violation and should not have been reporting for this long the late payment. And according to 15 usc 1681a ( 2 ) ( 1 ) late payments are illegal according to this law and under exclusions. Charge off is considered to be written off as a loss and considered when filing taxes as to be taxable income and should not be used and against the law to use in credit reporting and I have tried to fix this with the XXXX and with CFPB as well and they still have not corrected my report. And past reporting to credit