davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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. (TN)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Chapter XXXX Bankruptcy was reported in my Transunion credit report on XX/XX/2010. 

It was reported by : Federal District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX Case Number # XXXX XXXX The United States Bankruptcy Court, Distric of Puerto Rico, notified that the Trustee appointed in the aforementioned cases filed a Report of No Distribution on XX/XX/2010. 

The United States Bankruptcy Court, District of Puerto Rico, ordered for the discharge an the closing of the case on XX/XX/2010.
Consumer complaint received 2024-05-28
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. (VA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-01
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. (NJ)

I am writing to follow up on my previous communications regarding the inaccuracies on my credit file. Despite multiple attempts to address these issues, I have yet to receive a satisfactory resolution.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-05-28
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. (PA)

In accordance with the Fair Credit Reporting act 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 The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LendingUSA (PR)

I received an unsolicited hard inquiries to my XXXX credit report. I communicated with the company, explaining that I did not solicit said reports. Instead it was my brother, XXXX XXXX XXXX, who at the time was refinancing his credit options. Still, because my father 's home address was listed as one of my previous addresses, my credit was inquired for, along with my sibling 's. 

I had then erased my father 's home address from my credit report and am surprised to still find the unsolicited hard inquiries degrading my credit score. 

I have done no business with the following company, nor do I intend to, and am disappointed to still find their data in my credit reports. 

XX/XX/2017 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I should not be held accountable for any other persons credit actions, save for my own. I request the information to be erased from my credit report.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
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. (MD)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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)

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 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Risecredit, LLC (PR)

I received an unsolicited hard inquiries to my XXXX credit report. I communicated with the company, explaining that I did not solicit said reports. Instead it was my brother, XXXX XXXX XXXX, who at the time was refinancing his credit options. Still, because my father 's home address was listed as one of my previous addresses, my credit was inquired for, along with my sibling 's. 

I had then erased my father 's home address from my credit report and am surprised to still find the unsolicited hard inquiries degrading my credit score. 

I have done no business with the following company, nor do I intend to, and am disappointed to still find their data in my credit reports. 

XX/XX/2017 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I should not be held accountable for any other persons credit actions, save for my own. I request the information to be erased from my credit report.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
DEPT OF ED Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

identity theft also had back payment child support does not show up on my credit report that i'v paid my child support, there are names show up like XXXX XXXX + XXXX XXXX XXXX+XXXX XXXX XXXX XXXX these names show up on my credit report. on my child support it says my balance is XXXX i do not owe this amount.i have proof of my XXXX check.Thank You
Consumer complaint received 2024-05-27
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)

XXXXXXXX XXXX XXXXXXXX XXXX whom it may concern, I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as open, but also shows a balance of XXXX. According to the FCRA, I have a right to an accurate report. Please remove XXXX XXXX XXXXXXXX acount immediately from my TransUnion report. Please provide me with a new copy of credit report reflecting this account removed upon completion.
Consumer complaint received 2024-05-31
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. (OH)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), A collection Account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and A personal loan Account opened at XXXX on XX/XX/XXXX under the account number XXXX and personal loan Account opened at XXXX on XXXX with the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-05-27
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)

XXXX, XXXX XXXX Trans union have been reporting inquiries that are not verified & over the phone agreed to not having the information to verify these inaccuracies. 

I was promised accuracy on my credit report based on federal law & after my disputes, I have made calls as another attempt to have these inaccuracies either removed or fixed. Under 15-USC-1681. All unverified information must be promptly removed. As i was told, in their system they could not validate this information. I request for its removal effective immediately. 


I spoke with this operator details below. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer privacy and confidentiality rights under 15 USC 1681.

The following accounts have violated my rights.

15 USC 1681 section XXXX. You declare that I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : Also states that a consumer reporting agency may not provide an account without my written instructions.

15 USC 1681c. ( a ) ( XXXX ) The section states : No consumer reporting agency may make any consumer report that contains any of the following items of information. Any other adverse information item, other than records of convictions for crimes that predate the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not provide any information relating to a consumer to any consumer reporting agency if he or she knows or has reasonable grounds to believe that the information is inaccurate. 

Delete the following false information rereported and correct it for the true one : XXXX is reporting false information The listed information is a very serious error in reporting. Please delete this misleading information, and XXXX a corrected credit profile to all creditors. 
-- Forget to pay bills you reported ( XXXXXXXX XXXX ) score XXXX I forgot to pay instead I ALWAYS PAYED MY BILLS. 
-- Dont pay any of your bills you reported ( XXXXXXXX XXXX ) XXXX XXXXXXXX I missed payments or payed late instead I NEVER PAY LATE. 
-- Declare Bankruptcy you reported ( XXXXXXXX XXXX ) XXXX XXXXXXXX a recently bankruptcy was filed/ I NEVER HAVE XXXX. 
-- Age of credit ( XXXX ) XXXX XXXXXXXX you reported XXXX XXXX XXXX XXXX XXXX  CORRECT -- Miss a payment by XXXX  Days you reported ( XXXXXXXX XXXX  ) XXXX XXXXXXXX having XXXX account XXXX days payments instead I NEVER PAY AFTER XXXX  DAYS -- Having account on collection you reported ( XXXX points ) XXXX XXXX having an account on collection affect your XXXX instead I NEVER HAVE A COLLECTION ACCOUNT -- Apply for new credit you reported ( XXXX XXXX ) XXXX instead XXXX  months XXXX XXXX Please correct all this XXXX false information for the right XXXX
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

When I checked my credit report, I saw that part of the information was inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified by the three credit bureaus ( A ). It is not acceptable to disregard these reporting items as unconfirmed information without supplying evidence within the legally mandated time range. The following incorrect information appears on my credit report ; it has to be looked into and corrected/deleted : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$47000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (PR)

On XXXX we applied for a chapter XXXX due to debt incurred with XXXX XXXX.Our chapter XXXX process terminated around XX/XX/XXXX, the debt claimed by XXXX XXXXXXXX was paid up at the end of such time period. The third week of XX/XX/XXXX we received the first call from XXXX XXXXXXXX, asking us if we wanted to pay what we owed or if we want our home to be foreclosed. Days after we received a certified letter from them claiming we owed {$8500.00} plus {$1800.00} to be paid by XX/XX/XXXX to avoid foreclosure of our only residence. Do to the fact that XXXX XXXXXXXX, closed operations in Puerto Rico around XXXX we have no way to communicate with a XXXX XXXXXXXX personally. The debt they claimed was paid at the end of our charter XXXX process. We tried numerous calls to CitiMortgage since the third week of XX/XX/XXXX with resolution. By the way on every call we were constantly harassed on with no explanation at all. As of XX/XX/XXXX XXXX XXXXXXXX commence refusing our monthly payments claiming the payment should be in full including what they claim we owed them. This procedure ballooned the amount of our debt for no reasons at all. Due to their constant aggressiveness and harassment toward us we were driving to applied for a second chapter XXXX ( XX/XX/XXXX ) to stopped them to foreclosed our only and principal residence, On XX/XX/XXXX they started one more time to pressure the process one more time. I take this moment to thank your organization for your time and support regarding this injustice.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'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 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-08-01
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. (TX)

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 XXXX party. They in fact did not come from a XXXX 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 2018-05-22
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. (GA)

Requested the removal of tax liens that are currently reporting on credit report. New law states that tax liens are not reported and will be deleted from credit report. Requested the removal to credit bureau several times and request was not honored.
Consumer complaint received 2024-05-28
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. (PA)

" 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 these items as soon as possible. ''
Consumer complaint received 2024-05-27
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. (TX)

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.