davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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: ZIONS BANCORPORATION (NV)

Since XXXX of XXXX  attempted to fix negative items reported on my credit reports that Zion First National Bank had made. It was reported that i was 30 days late in XX/XX/XXXX, and 60 days late in XXXX of XXXX  on a credit card from this bank. These negative items were reported late after Bankruptcy was filed by the court in XX/XX/XXXX. Under Fair Credit Reporting Act, by law, negative items may not be reported after bankruptcy is filed in bankruptcy court. Once dispute was filed, Zion Bank then reported more negative information. XX/XX/XXXX, after filing a former complaint to this bureau, Zion Bank then finally adjusted my report info. I have now found that this bank then reported me 30 days late in XX/XX/XXXX, before the bankruptcy was filed. Their own records showed that my first late was XX/XX/XXXX, after bankruptcy was filed. I again did a dispute, and as of XX/XX/XXXX, Zion Bank then adjusted my report to show new negative information as a current charge off, and eliminated info that my account was included in my bankruptcy. Also confirmed to the reporting agencies false info of XX/XX/XXXXXXXX late payment which according to their records was from XXXX XXXXFor months whenever disputing with this company, explaining the law, more new negative info has been added time and time again, hurting my credit scores for a period of over a year. This seems to be in retaliation to any dispute. I am also now working with XXXX XXXX XXXX in XXXX XXXX to file a formal complaint to the courts, and possible law suit for damages. 

This information was included in previous complaint made on Zion Bank to this agency.
Consumer complaint received 2024-07-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-02
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)

These accounts do not belong to me. I am a victim of identity theft and I have included the identity theft report. Please remove these items from my credit report. 

XXXX XXXX XXXX XXXX XXXX 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 2023-12-02
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)

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 XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXXXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX  XXXX : Account NumberXXXX Account Name : XXXX  : Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX : Account Number XXXX XXXX has violated my rights. Or 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 2024-06-01
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)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Nothing happened to the following account below : I requested that they update the OWE amount to XXXX and they left it blank. This is the exact same report prior to the complaint. They refuse to acknowledge that this account is paid in FULL and has a XXXX balance. 

I sent a letter showing them that this account was paid in full but after the investigation they simply added incorrect information RECENT PAYMENT OF {$370.00}. Total false! 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$370.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance {$1100.00}
Consumer complaint received 2024-06-26
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: EQUIFAX, INC. (GA)

on XX/XX/year> I requested that Equifax, XXXX and XXXX to investigate and delete inaccurate information on my credit report as of today the investigation is not completed. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax, XXXX and XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2024-06-01
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)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2023-12-02
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2023-12-01
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. (CA)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 XXXXS-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number  : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

All XXXX credit bureaus continue to report inaccurate information in regards to my federal student loans balance. XXXX the student loan servicer and the Department of Education the student loan lender both have a XXXX balance on my account and have verified that my Federal Student Loans are paid in full through student loan forgiveness IDR program and that i currently have a XXXX balance. I do not owe {$64000.00} as stated on XXXX XXXX. This misinformation is causing me investment and financial problems with other institutions that I'm currently trying to do business with. I would like cfpb to investigate further into this matter as XXXX continues to display inaccurate information.
Consumer complaint received 2016-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OR)

I am in danger in having my home foreclosed upon by Nationstar Mortgage. I need help. I am behind on my payments and have gotten no help from my lender. I went through the state of Oregon required foreclosure prevention program. I proved financial hardship caused by unemployment, painful divorce and new job paying much less than my old one. My then wife and co borrower left me for other men after thirty years together. She has since filed quit claim deed on property and has nothing to do with it now. I sent all the documentation that the lender required. Lots of forms, tax info and the like. I asked for a lower, affordable mortgage payment so I could stay in my house. I asked for debt forgiveness on my past dues. No solutions, government plans, or help has been offered at all. I had n't heard from my lender in a couple months, at least, then I received a letter from their law firm stating that they would seek a default judgement against me. I want a fair chance to save my house for my daughter and myself. Nationstar has not dealt with me fairly from the beginning. They have shown no interest in helping me save my house. Please help.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I purchased roughly ~ {$2000.00} of equipment from XXXX in XXXX XXXX with a promo % XXXX APR until the following XXXX. I put this on autopay to be paid off by XXXX of XXXX. I've used this service previously without any issues. 

XXXX announced over the summer that they would be switching to a new service provider for financing in XXXX. Since I had my account lined up to paid XX/XX/XXXX, I had no concern. XXXX claims I canceled my autopay with {$22.00} remaining balance in XXXX of XXXX. They then proceed to charge me late fees, without notice, for XXXX and XXXX, bumping my balance to {$82.00}. I did not receive any statements of outstanding or overdue balance nor did I receive notice of autopay cancellation. I presumed that my account would have made its final autopayment of {$22.00} and be resolved. 

I did not know there was any issue with my account until my bank and XXXX both alerted me of a FICO change of XXXX to XXXX. I was shocked. I attempted to go to the existing XXXX finance site but website was not allowing access to any updated information. When I would call they would transfer me to the new provider of Comenity who did not or would not service since I did not have my new account number that I hadn't received yet from them. I had to go through an automated service using my SSN to then request to have my new account number mailed to me. 

Once I received the # I created my account and made a payment to my surprise of {$82.00} to get it resolved ASAP. When I called to inquire as to what happened XXXX advised they were not able to help since it was with the previous provider. When I called the previous provider they defered me to XXXX. Without any recourse available via phone I've started to dispute it through XXXX and also the CFPB. 

Also, it is showing me as current for both XXXX and XXXX yet XXXX shows past due 60 days? None of this makes sense.
Consumer complaint received 2023-03-12
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. (CA)

In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX  account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy.

2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions.

3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. 
These items must be DELETED immediately and a rapid re-score is requested.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Subject : Formal Complaint to TransUnion Regarding Inaccurate Reporting of Possible Finance on Credit Report : I am writing to file a formal complaint against TransUnion regarding the inaccurate reporting of Possible Finance on my credit report. I have discovered that the Payment History for this account does not show any late payments, yet the account is being reported as 30 days late. This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

According to the information provided on my credit report, the Possible Finance account is inaccurately reflecting a status of 30 days late. However, there is no derogatory payment history to support this claim. As per the regulations outlined in the FCRA and TILA, an account can not be reported as 30 days late without any substantiated evidence of such a late payment.

This erroneous reporting by TransUnion is not only damaging to my credit score but also constitutes a violation of my rights as a consumer under the FCRA and TILA. It is imperative that this inaccurate information be rectified immediately to ensure the integrity and accuracy of my credit report.

Therefore, I am formally requesting that TransUnion take immediate action to delete the inaccurate reporting of Possible Finance from my credit report and rectify this error without delay. I expect full compliance with the FCRA and TILA regulations to ensure that my credit report reflects accurate and up-to-date information. 
I trust that TransUnion will investigate this matter promptly and take the necessary steps to resolve this issue in a timely manner. Failure to do so will result in further action being taken to protect my consumer rights.
Consumer complaint received 2024-06-02
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)

Remove all fraudulent and inaccurate accounts from my credit report. 
Block any information resulting from identity theft, as required by FCRA. I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act.
Consumer complaint received 2023-12-01
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-01
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. (LA)

I got a warning to my phone from transunion I put in a report they said it's accurate and it's a lie to XXXX XXXX XXXXXXXX in California I have never request a loan company don't answer phone. It's a XXXX loan. I promise I never borrowed no money
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX th I thought I was getting an online loan. The loan company scammed me. Used a fake application pretending to be a reputable online loan company. They were suppose to deposite XXXX in my checking account. Instead the deposited XXXX four times in my account and told me to send it back by XXXX XXXX to make sure my account was in good standing then they would deposite my money. I sent them back XXXX back which ended up being fake deposites and they got my money. Called the wellsfargo when I realized I had been scammed and put in a fraud claim. They are refusing to get my money back to me. Also filed a police report.
Consumer complaint received 2023-12-01
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)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items