davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX  XXXX  has been reporting incorrect information on my credit reports. I have 2 accounts that were closed. I settled the first one ( XXXX ) back in XXXX XXXX and they didnt update my credit reports as paid off and had an outstanding balance. I disputed these issues and the amount was changed to {$0.00}. The second one ( XXXX ) I also paid off. They updated the information this XXXX after I paid it off and its still wrong. I dont owe XXXX XXXX anything. Ive been making payments on XXXX since XXXX and paid the rest off in XXXX. There shouldnt be a past due amount of {$810.00} on my account. Both accounts are settled for less than amount. I disputed this second account. TransUnion said the information is accurate on my credit report when their payment status, account status and amount are inaccurate.
Consumer complaint received 2023-09-13
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: EQUIFAX, INC. (MA)

My name is 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 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2024-03-28
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 received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


I was Never Late on ( XX/XX/2024, XX/XX/2024 ) on this Account Please Update the account as PAID/CURRENT. 

I HAVE ATTACHED A DOCUMENT OF EVIDENCE OF CURRENT ACCOUNT AND NEVER LATE PAYMENT. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

I disputed this collection on XX/XX/2022 Confirmation # XXXX with Equifax amount {$2000.00} the results stated item has been Deleted from the credit file. 
Name- of collection company XXXX  XXXX XXXX XXXX XXXX Address- XXXX XXXX XXXX XXXX, XXXX, NY XXXX Equifax report if an item states " Deleted '' we have removed it from your credit report and taken steps so it does NOT reappear. 

ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection reported back on my credit report again, with a different account. 
I filed a dispute with Equifax and company sent documents from Equifax to Equifax with there letter showing item was Deleted on XXXX XXXX with Address same XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I'm attaching credit report. 

Regards
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

In XXXX XXXX I tried to remortgage my home thru WellsFargo. I made arrangements to make 6 months reduced payments with the understanding, I would be able to refinance at the end of that time if payments were made on time.. They were and my loan was denied, according to wells fargo my Investors denied my 
efi-loan. I know Wells Fargo is under investigation for denying mortgages during this period and I feel I was one of them .In XXXX of XXXX my home was foreclosed on. I had been in that home 12 years and it was my retirement home. Since that time I have had to move several times and I am XXXX XXXX XXXX and feel I should be considered for this lawsuit.
Consumer complaint received 2024-06-26
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)

Transunion refuse to remove account off my credit report that is do from Id theft they also still reporting inaccurate accounts with out my written consent I contact transunion 5 to 10 times a day and yet they has did anything dishonoring my police report and ftc reports on the account and questions I ask for the account to be removed and block transition refused to do any thing but causing financial harm and stressed and my living saturation transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX DID NOT NOTIFY ME OF THE DEBT IN MY NAME ALSO REFUSED MY FTC REPORTS STATING THAT I DID NOT LIST THE ACCOUNT ON MY FTC REPORT THEY RECIVE MANY REPORTS BUT FAIL TO ACCEPT THAT I WAS A VICTIM OF ID THEFT. VOILATING MY RIGHT I ASK THEM REINVESTAGATED THE DEBT CODES BEEN VIOLATED AND RULES WAS IGNORE WAS NOT PROPERLY NOTIFY OF THE DATE BEFORE ADDING ON MY CREDIT REPORT. WHEN ASK FOR VAILDATION THEY SENT ME A STATEMENT OF PURCHASES I DID NOT MAKE not accurate DOCUMENTS SHOW ME WHERE I SIGN OR THEY GAVE ME XXXX THEY HAVE YET TO SHOW ME I TOOK OR THEY GAVE ME ANYTHING. THIS COMPANY IS NOT APPLYING THE FRCA RULES FAILING TO REMOVE THE ACCOUNT FROM ALL REPORTING AGENCY .TRANSUNIONS AS WELL SATING AS XXXX XXXX XXXX XXXX  REFUSED ME OF MY RIGHTS UNDER THE FCRA SHE SAID HER BACK OFFICE TRANSUNION DID NOT ACCPECT MY FTC OR POLICE REPORT CAUSING FINANCIAL HARM AND DEFORMATION OF CHARACTER CAUSING ME BE DENIAL FROM HOMES CARE THE ACCOUNTS THEY REPORTED HAS BEEN REMOVE FROM THE ACUTAL CREDITOR BUT TRANSUNION STILL COMING SAYING THEY VERIFY PROOF. when it. from id theft,
Consumer complaint received 2024-03-28
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. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-28
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2023-08-28
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. (IL)

Please know the information on my credit report is not correct. I've listed inquiries and accounts that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Consumer complaint received 2023-12-15
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. (NJ)

i dont recognize these accounts : XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-06-26
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)

Reporting of illegal lates per U S Code 1666B and U S Code 1681B. I've requested on several occassions that these accounts be removed immediately or updated to paid as agreed. They're also in violation of. U S Code 6801 Protection of non public personal.
Consumer complaint received 2023-08-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX  that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-28
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. (FL)

A fraudulent account keeps reporting to this one Bureau and every time I have contacted them or attempted to dispute this account they update it as verified. Every other bureau have found this account to be fraudulent and has sense removed it. It has been 9 months and I have yet to receive any documents regarding the verification of this account. As of recently, when I call the automated systems recognizes my number and does allow me through to speak to a representative. This act alone should be illegal and a means for them to immediately fix all inaccuracies on my credit report.
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (TX)

I received an email from XXXX XXXX XXXX on XXXX XXXX, XXXX  as follows ( my name deleted ) : " New inquiry detected on your credit report XXXX XXXX, We detected a new inquiry on your Experian credit report. A new inquiry occurs when businesses request access to your credit file, for instance when you apply for a credit card or loan. 

Log into your account to view the full details of this alert. From there, you can let us know if you don't recognize the activity and we will contact you to further investigate. '' I logged into my account and found that activity was reported from " XXXX  XXXX XXXX XXXX ''. I have no dealings with this institution. 

I received a similar email from my XXXX card account where I have similar protection. I contacted them and they directed me to Experian. Experian wants a police or FTC report to continue their investigation. FTC website directed me to CFPB. So I am hoping to get a CFPB report that I can pass on to Experian and that this will meet their needs. 

Thank you for any help that you can provide.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX | XXXX : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 To whom it may concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late XXXX with account number XXXX This account does not belong to me. 

INQUIRIES REMOVALS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and attention to this matter. 

XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (OH)

In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-29
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. (NC)

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of GA. However, I never received those cards before. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to Experian, XXXX, and XXXX. It has been about few months now, but I see no changes in my credit report. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. ()

Agent ID XXXX XXXX, failed to provide basic information after my identity was confirmed. All I wanted to know is what product at XXXX  caused my credit score to go down. when the agent failed to provide the information, i asked to be transferred to a manager. the again failed to get me to a manager and i could hear the background sounds in the call center. I was able to hear other clients information which is illegal as there was no consent to have their information shared with me a 3rd party listener. I was able to hear multiple address with client names and sin numbers while on " hold '' which is very dangerous as now the account information of those people are now compromised. I worry about my own information now being compromised as this should never happen. After my 2nd call back, agent XXXX XXXX failed to transfer to a manager and the agent before him said i would have to schedule an appoint for a manager. It seems to me like this call center has representatives that are not trained properly and are highly unprofessional. I fear that scammers will be easily able to get information with the lack or customer service skills. not to mention this is one of 2 credit bureaus which needs to taken more seriously.