davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
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. (MI)

Equifax ; has the same car loan posted twice, from XXXX XXXX XXXX, the Credit Union posted the same loan twice with different dates and amounts owed. Both loan posting for the same car are over XXXX XXXX XXXX, the Credit Union changed the date and amounts and reporting times to keep loans posted on my report and Equifax after 4 disputes still has not removed both posting from my credit report. 

( XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Michigan XXXX - XXXX XXXX )
Consumer complaint received 2023-05-03
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. (TX)

This is my 10th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$660.00}, XXXX XXXX XXXX Balance : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00}
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an an Transunion its ( XX/XX/XXXX ) and on XXXX is ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
ACCOUNT XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Everything company never veryfy my signature compare, i explicated more and XXXX more this situation in me personal credit report but, company no look nothing, i cases account closed more XXXX years laters ,XXXX diferent accont example telefone and me person sent evidence includibg my termine divorces and nothing and help removed ever cased closed when me person dispute XXXX years dispute XXXX years removed error inquirys, pleses help, i sent XXXX divorce, letters, id, dirrection, ss id, id fse XXXX, letters tamps helpme, i narred true i notify ever company but nothing, a my favor in my person tallk the true i need bying home but my credit affect in discrimunedded based law. Never power bying home
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear CFPB, I am writing to request the deletion of fraudulent hard inquiries on my TransUnion credit report. I am a victim of identity theft, and these inquiries have been made without my knowledge or consent. The hard inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023. 

As a responsible individual, I monitor my credit report regularly and noticed these unauthorized inquiries immediately. I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. These unauthorized hard inquiries not only harm my credit score but also violate my rights as a consumer.

I have taken all the necessary steps to protect myself from further identity theft, including notifying the credit bureaus of the fraudulent activity. However, I am now requesting your assistance in removing these unauthorized hard inquiries from my credit report as soon as possible.

I am deeply concerned about my credit score and the impact these fraudulent inquiries could have on my financial future. I urge you to take action promptly and ensure that these inquiries are removed from my credit report without delay. 

Thank you for your time and attention to this matter. I appreciate your help in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GU)

In accordance with FCRA & 650B paragraph ( a ), Transunion is required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Transunion delete these accounts from my good credit record in accordance with FCRA & 605B paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that Transunion remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX  XX/XX/2018 Experian does not have all my employment current I have been going threw this month after month with Experian taken off information on my employment. one month all my current employment on my file the next its only 1 showing now.

XXXX XXXX XXXX XXXX XXXX XXXX  Im an XXXX  I have attach copy of my State Lic I have Attach in the past copies as proof and Experian every other month changes or removes my Employment for no reason.

I have copies of my report mail out by Experian as to how they keep removing my Employment
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681b ( 2 ) And pursuant to 15 USC 1666b " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. '' I demand my late payments ) be updated to paid on time according to these U.S. laws. 

Please update account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 2021-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (GA)

Mountain Run Solutions LLC is attempting to collect on a debt that is not owed to them anymore and has been sold to another company. They can not report this as this is illegal. This collections was a result of fraud and hereby contested. Please remove this derogatory information from my credit file asap.
Consumer complaint received 2024-06-25
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)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-24
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 reaching out to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been inaccurately associated with me without my knowledge or consent, causing considerable distress and concern. Regrettably, I have fallen victim to identity theft and have promptly taken action by reporting the incident. It is imperative to swiftly address this issue, as it has adversely affected both my financial stability and personal integrity. I kindly urge your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to furnish any necessary evidence and, if necessary, pursue legal recourse to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is deeply appreciated.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rent Recovery Solutions (GA)

According to the FCRA Rent Recovery Solutions is not the original creditor and purchased my information illegally and must have my written consent to purchase my information witch they did not do Once again i have mailed this company a notarized affidavit ( XXXX XXXX XXXX XXXX XXXX ) with all violations and each carries a {$1000.00} fine, 15 USC 1681B PURMISIPLE PURPOSE ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-06-07
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. (CA)

This is my Numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

I HAVE HAD A VISA MERRILL + CREDIT CARD FOR MANY YEARS. 
I CALLED AND WROTE THE BANK OF AMERICA AND MERRILL LYNCH THAT THE CARD WAS NOT WORKING.. THEY INFORMED ME THAT THEY HAD CLOSED THE ACCOUNT AND INDICATED THAT IT COULD NOT BE REOPENED. THEY NEVER GAVE ME A REASON FOR THE CANCELLATION. THE CARD EXPIRATION WAS XX/XX/2018. I HAVE OVER XXXX REWARD POINTS WITH THIS CARD WHICH THEY CONFISCATED. I ASKED THAT THEY AT LEAST HONOR THE OVER XXXX REWARD POINTS, WHICH THEY DENIED TO DO. THIS IS UNFAIR AND TOTALLY OUT OF PLACE! I DID NOT HAVE ANY IDEA THAT THEY UNILATERALLY HAD CLOSED THE ACCOUNT WITHOUT EVEN NOTIFYING ME AND APROPIATED MY REWARD POINTS. MERRILL LYNCH SENT ME A LETTER INDICATING " A REVIEW OF YOUR ACCOUNT INDICATES THAT THE ACCOUNT ON XX/XX/2016, BASED ON THE TERMS AND CONDITIONS OF YOUR POINTS PROGRAM, TO PARTICIPATE IN THE PROGRAM YOU MUST MAINTAIN AN OPEN ACCOUNT AND HAVE CHARGING PRIVILEGES ''. WELL, THEN WHY DID THEY CLOSE THE ACCOUNT IN THE FIRST PLACE?
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

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 1681i ( 5 ) Treatment of in accurate or unavailable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result 's of the investigation, and ( I ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately. 
XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XXXX XXXX, 2015 an employee of the Banco Popular de PR 's Consumer Credits Services Division called to my employer phone number requesting to talk with me related to the payment of a " just a few days late '' monthly payment of a personal loan. 

The name of the employee is XXXX XXXX and he identified himself to the receptionit as an employee of Banco Popular. 

The same date, I wrote the enclosed letter to the bank ( Banco Popular de PR - Consumer Credit Services Division, XXXX XXXX XXXX, XXXX XXXX PR ) notifying that that any debt collection call should be made to my cellular phone ( that already they have ) because my employer prohibit the origination and receiving of personal phone calls during duty hours and, they were calling me for a personal matter. 

A few days later, a supervisor of such division contacted me by phone to confirm that he had receipt my letter and provide appropriate apologies for XXXX XXXX 's actions. He also committed, in the name of the bank, to take my request in consideration on the future. 

However, today XXXX XXXX, 2015, XXXX XXXX XXXX XXXX, without first trying to contact me in my cell phone, called again to my employer 's phone number requesting to talk with me related to the payment of a " just a few days late '' monthly payment of the same personal loan. He directly identified himself as an employer of Banco Popular and use a phone number ( XXXX ) that many people in XXXX XXXX recognized as the Banco Popular 's Collections Office phone number. So, the receptionist again recognized this phone call as a debt collection call and for a second occasion, no matter my XXXX XXXX, 2015 request, the collecting bank disclosure to a third party, not related to the business relation between the bank and I, that I own money and are late in my payments. This actions definitively affect my image and reputation in front of my employer and other co-workers.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I am writing to dispute an account listed on my credit report. The account ending in XXXX was a credit card account for which I was only an authorized user. I was removed as an authorized user before my mother closed this account, however, it's still showing that I'm an authorized user on a closed account. I called multiple numbers for Citi, including multiple customer service numbers and their credit counseling department. Nobody was willing or able to remove me as an authorized user, and it's having a negative impact on my credit report.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent request to XXXX XXXX and XXXX on the following dates XX/XX/year>2024 XX/XX/year>2024 XX/XX/year>2024. The judge dismissed the case and released me of all money owed back in XX/XX/year>2024. I notified XXXX and it is still on my credit report stating I owe {$7600.00}.