davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. 
I submitted a letter to the Transunion Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (GA)

XXXX  credit reports that I applied for a Best Buy CitiBank card on XX/XX/XXXX. This activity is fraudulent. I have called Best Buy 's hotline and ensured them it was fraudulent activity and they recommended I dispute here. This activity needs to be removed from my XXXX  credit report. 

On XX/XX/XXXX, XXXX  reported that I took out a XXXX/XXXX XXXX card. This activity is also fraudulent. I have reached out to XXXX XXXX hotline as well and ensured them it was fraudulent activity. This also needs to be removed from my XXXX  credit report.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I have been disputing XXXX  in the amount of XXXX for 9 months and also wrote all three credit bureaus providing information to them that this company does not have any verifiable information. This has been an on going battle since XX/XX/year>. That have not showed me any verifiable information as requested. I am a victim on the credit bureaus not following consumer law. And I am a victim of my family not being able to compete in the world because the credit bureaus have bullied me by keeping my credit score so low that I cant get a car nor house. I need help.
Consumer complaint received 2024-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company (CO)

XXXX Freedom Mortgage has generally been a reliable partner, so I found it surprising to encounter issues during recent phone calls. 

During the week of XX/XX/XXXX, I reached out to inquire about our options since we had fallen XXXX months behind on payments. During the call, I was informed that I could either spread the missed payments over the next XXXX months or add them to the back half of the loan, and possibly even add a third missed payment, to the latter portion of the loan. The representative mentioned that a packet containing further details would be sent. 

On XX/XX/XXXX, I called again to inquire about the status of the packet. The lady I spoke with informed me that I had been approved for a loan XXXX, which involved adding XXXX months of missed payments to the end of the mortgage. However, due to the outstanding balance exceeding XXXX XXXX of the principal, which was around {$450000.00}, adding a third missed payment would result in an increase in the interest rate from XXXX XXXX to XXXX XXXX for the duration of the loan. 

My concern arises from the discrepancy between what the first representative mentionedadding XXXX or XXXX paymentsand the terms presented during the second call. If we were to add XXXX payments to the end of the loan, we would remain at the XXXX XXXX interest rate with a monthly payment of {$3200.00}. However, according to Freedom 's calculations, opting for the XXXX loan XXXX would escalate the interest rate to XXXX XXXX, resulting in a {$1000.00} increase in monthly payments. 

Furthermore, I sought clarification on the current amount added to the outstanding balance within the XXXX XXXX threshold. Despite previously undergoing a loan modification during the XXXX pandemic, a monthly payment of {$3200.00} for XXXX months totals {$76000.00}, suggesting that there should still be sufficient room within the XXXX XXXX limit. 

In summary, it appears that the terms presented by XXXX Freedom Mortgage are advantageous for them. We require all three missed payments to be added to the end of the mortgage or, alternatively, the XXXX and XXXX payments added to enable us to make the XXXX payment.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Incorrect reporting as collection for XXXX credit card with open balance of XXXX ... .this a co uhh by past the 7 year mark for experian report Was closed due to charge off by XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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)

I am writing to request the reopening of my complaint against XXXX ( Account XXXX XXXX ). I disagree with the account listed which still appears to be on my credit report. I would like this item to be reinvestigated immediately. The inaccuracies are highly injurious to my credit score. In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D. 
I have not received any information or documentation confirming that the following required steps were taken during the repossession process. Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

I did not receive any communication notifying me of the impending repossession of my vehicle. 

There was no notification stating that my vehicle had been repossessed, where it was being held, or the outstanding amount owed. 

Post-Auction Notice I have not been informed of the auction results, including : - The sale proceeds and how they were applied. 
- The existence of any deficiency balance. 
- The application of sale proceeds towards the debt. 
- Compliance with relevant laws and regulations. 

I request that the CFPB reinvestigate whether these letters were sent and if all the necessary information, including date and time stamps, was provided to me as required by law. If these steps were not followed or if the required information was not provided, I respectfully request the removal of any related entries from my credit report. Please send me a updated copy of my credit report after your reinvestigation. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- Please update my report. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXXXXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently looked at a copy of my credit report and discovered several inaccuracies listed on my credit report. This account is hurting my ability to obtain credit. I believe this item is incorrect and should be verified for accuracy in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ). It is my understanding that the credit bureau will investigate this account for me to ensure accuracy. 

XXXX Account number : XXXX Date opened XX/XX/year> Balance updated XXXX XXXX, XXXX  Open/closed Closed
Consumer complaint received 2024-06-06
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)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-08-02
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. (CT)

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, XXXX and TransUnion immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$760.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-07-05
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. (FL)

I am writing to formally dispute several hard inquiries on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, which outlines permissible purposes of consumer reports. The inquiries listed below were not authorized by me and do not meet the criteria for permissible purpose as they did not involve any extension of credit or any other legitimate reason for accessing my credit report. 

The disputed inquiries are as follows : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I have the right to dispute the accuracy of any information on my credit report. These sections establish that : - **Section 611 ( 15 U.S.C. 1681i ) ** : Credit bureaus must investigate disputes filed by consumers.

- **Section 609 ( 15 U.S.C. 1681g ) ** : Consumers have the right to access information in their credit reports.

- **Section 604 ( 15 U.S.C. 1681b ) ** : Regulates the circumstances under which a credit bureau can furnish a credit report.
Consumer complaint received 2024-08-02
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. (MS)

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that I did not Authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
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. (IL)

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 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. 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. I also asked for the original contract to be provided and it was not.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX - XXXX XXXX : # XXXX, XXXX - XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, and the US Bankruptcy # 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 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a new complaint regarding the persistent issue of a fraudulent XXXX XXXX  account ( Account Number : XXXX ) on my credit report. Despite my repeated attempts to have this account removed, it remains on my credit report and continues to cause significant harm to my creditworthiness and overall quality of life. 

My previous complaint ( Complaint Number : XXXX ) submitted on XX/XX/year>, addressed this same issue. However, the response from XXXX and Equifax was unsatisfactory and did not resolve my concerns. Instead, they mistakenly referenced a XXXX XXXX XXXX account, which is unrelated to my dispute. This error indicates a lack of thoroughness in their investigation and response. 

To reiterate, this XXXX XXXX  account was fraudulently opened in my name without my consent. I have already filed a police report ( Report Number : XXXX ) documenting the fraudulent activity. Despite providing this information and repeatedly requesting the original signed contracts for the disputed account, I have not received any satisfactory resolution or response. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I demand that this fraudulent account be removed from my credit report immediately. If XXXX can not provide signed, original contracts correlating to the account in question, they must delete the items from my credit report. 

The persistence of this fraudulent account on my credit report has severely impacted my ability to find housing and secure loans, causing undue stress and hardship. I urge you to thoroughly review my case and ensure that the necessary actions are taken to remove this account from my credit report. 

Additionally, I request an updated copy of my credit report once the investigation is complete and the fraudulent account has been removed. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-28
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: EQUIFAX, INC. (SC)

I have disputed an account with XXXX XXXX XXXX ( XXXX ) about a XXXX XXXX account that they bought. I reviewed my consumer report today, and under remarks they have that I disputed the account and that it meets FCRA requirements. I did not conduct any type of business with XXXX. I did not get a letter from XXXX as I do not live at that address on the letter ( attachment ) that was sent to me when they responded to my dispute on this website. They did not meet the FCRA requirements. How can they re-age an account that they bought from XXXX XXXX? It is illegal to re-age a debt by reporting it to the credit bureaus after purchasing it in the secondary market. I have not and will not make any payments on this account There is no date of delinquency from the original creditor. Legally, this is considered a continuation of the original date. The open date they have is when they purchased it and that date is inaccurate. There is no date of last activity, no charge off date, and the payment history or summary is in accurate. How can XXXX buy an account and put it on my consumer report as if I did business with them? Send me proof that I gave XXXX  XXXX permission for XXXX to collect on this debt and that I gave XXXX XXXX permission to sell the alleged debt to XXXX.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

They dropped the limit of my credit from XXXX $ to XXXX XXXX violating 15 U.S. Code 6802 and the Gramm-Leach-Bliley Act, never did they furnish an opt out to reporting to consumer credit beuros. They also closed my account without any authorization.. also not getting consent to recheck my credit score for the new limit... this is unacceptable