davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (NY)

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. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  has violated my rights. 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 an 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 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Factual Data XXXX Factual Data XXXX Factual Data XXXX XXXX Mortgage Ser XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-11
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. (NJ)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2019-06-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (TN)

I reached out to Ally 's fraud department on XXXX and spoke with XXXX and XXXX. They tried to say the debt an auto loan from XX/XX/XXXX belonged to me. I asked for pictures, video, and documents showing the account belonged to me. The gentlemen said the information ( proof ) was sent by mail back in XXXX. I have never received anything in the mail. The company has tried to scheme payments through a collection agency as well. I was told to contact XXXX who was not very much help but referred me to this department.
Consumer complaint received 2024-06-11
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. (MS)

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 : XXXX XXXX, XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXXXXXX XXXX2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX/2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX2022 AMXXXXXXXX XXXX2022 XXXXXXXX XXXX/2022
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 2024-06-11
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-09
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. (NV)

I received a letter from TransUnion stating my bankruptcy had been verified. There is no information on who verified this information. When another person other than myself is confirming information that is not permissible purpose is identity theft. The bankruptcy court doesn't provide information. Since you are fishing for information against me. This is identity theft. Please remove all negative information, Charges will be filed.
Consumer complaint received 2024-06-11
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)

Upon reviewing my credit report in XX/XX/year>, I discovered an unauthorized account from XXXX XXXX XXXX XXXX XXXX. It appears someone has exploited my social security number for personal gain. I demand the removal and blocking of this information from my credit report on the grounds of identity theft. According to FCRA Section 605b, it is ILLEGAL to report information on my credit report without my permission. So please remove this account. I have attached my ID, Proof of residency, and FTC report.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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

I demand the late payment reported in ( XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be removed. 

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

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


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2019-06-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

For more than a year, I have been making regular monthly payments on time but suddenly my monthly payment jumped to almost {$1000.00} which I am unable to afford as a father of XXXX. I have communicated with the borrower that I will like to maintain the regular payments that I was making before but they won't allow. Effort to reduce the monthly payment has been unsuccesful as both the application and submission process has been confusing. Now I am in forbearance, I want to keep the payment that I was making before. I need help. I am a father of XXXX, I can  not afford $ XXXX monthly.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX Please update to my full legal name XXXX XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth is : XX/XX/year> My only employer is XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
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 am writing to address some discrepancies I have identified in my personal credit report. These inaccuracies are significantly affecting my financial standing, particularly my ability to own a home. While I understand that errors can occur, I am familiar with the dispute process and the investigation timeframe of thirty days. 

The other credit bureaus have already removed these accounts from their records after I submitted my FTC report identifying the errors. I am perplexed as to how these accounts were verified by your bureau when other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

I would like to bring your attention to the following errors : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-09
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)

XXXX XXXX sent me information via CFPB portal addressing my request for Date of First Delinquency regarding accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- as the Date of First Delinquency ( See Screenshot ) But are reporting a Date of Last Payment as XX/XX/XXXX. 
My question is how can XXXXXXXX XXXX  report Date of Last Payment as XX/XX/XXXX yet State the Date of First Delinquency as XX/XX/XXXX. Obviously, the Date of First Delinquency should be the month after which makes it XX/XX/XXXX not XX/XX/XXXX, which is 7 years. Remove this account for inaccuracy. Both dates can not be accurate. 
XXXX ) XXXX XXXX  XXXX XXXX XXXX. 
Delete account it is surpassed 7 year period I also request PROOF such as Bank Records from XXXXXXXX XXXX that substantiate that the Date of Last Payment was in the year XXXX and they are not making any sense as they are proving further that this account was RE-AGED!!!! Again this account is NOT MINE and is more than XXXX XXXX XXXX. 
XXXXXXXX XXXX  speaks of waiting for information from me. 
I received a request after already attesting that I have XXXX income and can not work due to covid complications from a inpatient stay for 7 days in XXXXXXXX XXXX XXXXXXXX. hospital. 
I already submitted this information via CFPB Portal in writing. 
That should be enough!! 



In case this account I am disputing is VERIFIED, I in advance request from your credit reporting agency ALL records that will reveal the procedures used to verify account. 
I am also requesting the name ( s ) of the person ( s ) you spoke with along with the Business Name, Telephone Number and Address.Ths request is in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2024-06-09
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)

I hope you are well. I am writing to address a critical issue with my credit report. Upon review, I discovered an unauthorized account that has negatively impacted my creditworthiness. I believe this account is due to identity theft and requires immediate attention and resolution. 
I want to make it clear that I did not initiate or authorize this account. This was fraudulently opened without my consent or knowledge. To address this issue, I reported the suspected identity theft to the relevant authorities, including filing a report and the XXXX XXXX XXXX XXXX XXXX  ). For your reference, I have attached a copy of the Identity Theft Report filed with the XXXX 

I kindly request a thorough investigation into the validity of this account and prompt action to remove it from my credit report, as it does not result from any legitimate transaction or credit application made by me. 
The specific account in question is : XXXX XXXX XXXX.
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (IL)

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.

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 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Equifax has cleared my entire credit file as of XXXX. Equifax claimed that the conformation number I have was NOT in their system. It took weeks to update and correct my credit file. 
Apparently when I got married my name change was the result of an entirely new credit file. No one from Equifax sent any documentation to me of what had happened. I was NOT able to obtain credit because of this. Since then I have been correcting my credit file with Equifax! 
Equifax has received notarized certified mail form me since XX/XX/XXXX. Each time of their results Equifax has replied the account has been verified as belonging to me but Equifax has NOT sent me any documents proving anything. Equifax has ignored my documents, added alerts to my credit file that I did NOT authorize and have NOT verified any accounts under federal law. Under the F.C.R.A. Equifax has NOT furnished a copy of the original creditor 's documentation on file to verify that the information is mine and is correct. In the results Equifax stated in writing that they verified that the items are being reported correctly. Equifax has NOT supplied information to me proving who verified these accounts. 
Equifax received my first letter on XX/XX/XXXX via certified mailing no. : XXXX XXXX XXXX XXXX XXXX. 
Equifax received my second letter on XX/XX/XXXX via certified mailing no. : XXXX XXXX XXXX XXXX XXXX. 
Equifax received my 3rd letter via priority mail XX/XX/XXXX Equifax has NOT verified any of the accounts mentioned above. ( my name ) has NOT received any proof of verification from Equifax. 
Equifax should NOT get away with this.
Consumer complaint received 2024-04-19
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. (MI)

These accounts are not mine. I would like you to review these. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX  XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXXXXXX XXXX has placed information on my credit file. They will not accept the fact that I no longer am interested in their product. I have no legal obligation to continue to pay for something I do not use and do not own. I have contacted them on several occasions and they refuse to close my account and leave me alone. I just want inaccurate data removed from my credit file. They report to bureaus as a mortgage but refuse to provide proof of said mortgage. 

Credit bureaus are just allowing anyone with access to put data on consumer credit reports. XXXX is not looking at documents or disputed reasons. They just send a computer message and accept the response. TransUnion also allows them to rubber stamp false inaccurate data on my credit report.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/year> I mailed in a request to all 3 credit reporting agencies ( XXXX, TransUnion and XXXX ) for a copy of my consumer report, consumer credit score, and an Opt-Out. I received a report from TransUnion and XXXX, and a score from XXXX, but have not received any report from XXXX or any of the other items I had asked for. 
On XX/XX/year> I mailed a dispute to all 3 credit reporting agencies regarding items on my report that I did not recognize and wanted more information on. 
I did not receive a response to this request. 
On XX/XX/year> I mailed another dispute to all 3 credit reporting agencies again requesting an investigation into items on my report that I did not recognize and again did not receive any response whatsoever.

I am not sure what the credit reporting agencies are doing, but they are definitely not responding to any of my concerns. And I think I read somewhere that the credit reporting agencies are supposed to respond to a dispute in 30 days or something like that but I haven't received a response to some of my concerns for almost 4 months.
Consumer complaint received 2019-06-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MS)

Scam by pal pal XXXX XXXX ext XXXX XXXX told me to purchase 3 XXXX XXXX   cards because my paypal account was being hack by someone in XXXX, XXXX and Texas I need a refund for my money thanks XXXX XXXX