davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a store XXXX card opened in late 2023. I paid all of my payments on time and even made double payments at time. It is still open with a XXXX balance however they are reporting it late in XXXX to one credit reporting place and then late in XXXX to another. 

It was never late. I would like the 30 day late notice removed from my credit reports. I reached out to the company and they are never helpful and very rude to me.
Consumer complaint received 2024-05-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-05-11
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. (FL)

What happened : Unauthorized hard inquiries from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  are appearing on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and several of its provisions. 

Unauthorized Hard Inquiries : XXXX. XXXX XXXX - Date : XX/XX/XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports. 
XXXX. XXXX XXXX  - Date : XXXX XXXX, XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports. 
XXXX. XXXX XXXX XXXX - Date : XXXX XXXX, XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports.

Relevant USC Codes : - 15 USC 1681b : Permissible purposes of consumer reports.

- 15 USC 1681i : Procedures for handling disputed information.

- 15 USC 1681n : Civil liability for willful noncompliance.
Consumer complaint received 2024-05-11
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. (MI)

I recently received a copy of my credit report i was shocked to learn that I have been a victim of identity theft i found numerous accounts on my credit report that I did not open. this has been hurting me as I am in the process of buying a home for my family. please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-05-11
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Spoke to XXXX XXXX from Well Fargo her number is XXXX. This is still unresolved. Wells Fargo is not taking accountability for losing our documents after providing us with a return label for shipment. Luckily we had copies of all the documents and provided it to them in reference to the case. If it wasn't for our copies provided to them they would have no record of our documents being returned with personal information. We were never told our paperwork wasn't received. Our point of contact continue to push back the deadline because of the state our country was in with Covid. After not hearing from Wells Fargo, we reached out to see the status of our loan modification. That's when we were told they never received our paperwork. We are basically being called liars and being told we created the return label ourselves. They created the return label and had the tracking number and were able to trace it to a XXXX XXXX in California. If they didn't provide the label then how did they track it?! Then conveniently they sold our mortgage.
Consumer complaint received 2024-01-10
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$790.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00}
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

A hard inquiry regarding a XXXX XXXX XXXX XXXX has been added back to my credit report via XXXX and XXXX XXXX. Its showing under my XXXX report but after reaching out to XXXX themselves, they arent seeing it on their end. This inquiry was deemed fraudulent almost a year ago and was removed last year XXXX. It has appeared after almost XXXX months. The inquiry is dated XX/XX/XXXX of 2022.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCS Financial Services, Inc. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Subject : Dispute of Charge Card on Credit Report I am writing to formally dispute the inaccurate information regarding a charge card on my credit report. I believe this account should be removed due to inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which grants consumers the right to dispute inaccurate information in their credit reports. 

I am requesting the removal of this charge card from my credit report based on the following reasons : 1. **Inaccuracy of Information : ** The account does not accurately reflect my payment history or account status.

2. **Failure to Verify : ** I have previously disputed this account, and the information has not been adequately verified as required under 15 U.S.C. 1681s-2 ( a ) ( 8 ). 

Please conduct a thorough investigation of this account and provide me with the results of your findings. If you are unable to verify the accuracy of this charge card, I request that it be removed from my credit report. 

I would appreciate your prompt attention to this matter. Please send all correspondences regarding this dispute to my address listed above.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX  My only telephone number is : XXXX Please remove all other names associated with my report, since they are inaccurate. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-28
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. (OH)

I looked at my credit report on XXXX XXXX, and notice some things are incomplete & inaccurate.According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXXXXXX, open date not reporting correctly, date last active, date of last payment & account is inactive & CLOSED ACCOUNT
Consumer complaint received 2024-05-11
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. (GA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, Per 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 : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX and any late payments from merchants has violated my rights. 

Transunion - XXXXXXXX XXXX XXXXXXXX XXXX Balance - {$5.00}, this is incorrect. 
This information is incorrect from Transunion. 
Current Address XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. 

The credit Bureau 's reporting is inaccurate. Furthermore, if they went back and fixed the inconsistency, they did not raise my credit score which should have been the correct outcome. Instead, Transunion retaliated against me by lowering my credit score even further because I filed a complaint with the CFPB.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion was Advised they were reporting frivolous names And addresses, agent was unable to verify my identity stating that I will need to send my Social Security card through the mail, I refused asked it was another way, call disconnected
Consumer complaint received 2024-05-12
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. (OH)

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. Upon reviewing my credit report dated XX/XX/XXXX, I have identified several instances of inaccurate personal information that require immediate correction : Outdated and Inaccurate Information : Unauthorized & Unrecognized Credit Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Co - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX Additionally, the report includes outdated information such as old addresses, phone numbers, misspelled names and inaccurate personal information which is no longer relevant to my current financial standing. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, XXXX, GA XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX My only employer is : XXXX XXXX XXXX XXXX My only telephone number is : XXXX Please remove all other names from my report, as the XXXX stated above is my only name. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

XXXX XXXX sent a repo company to remove a vehicle which was inside my property which has a gate. i informed the repo man do not take my vehicle and to remove his truck of my property and to remove his truck out my yard he refused and threatened to run me over on my own property and refused to not take my vehicle the police were called and they informed them to stop and remove there vehicle they refused the police informed them they were breaching the peace and can be held responsible along with the company that sent them. I CONTACTED CREDIT ACCEPTANCE and informed them of the action they never replied back ttill months later after selling the vehicle never giving me a chance to get my vehicle or return my license plate and personal belonging. I request that they remove the account or pay the balance of the vehicle plus send me a copy of the XXXX form for the sale. plus send me a letter informing me of there action if they will be deleting the account from all reporting companies.
Consumer complaint received 2024-05-11
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. (MA)

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THATI HAD XXXX ( XXXX ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATEON PAYMENTS FOR THE ACCOUNT ( NAME : XX/XX/XXXXXXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. 
IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

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 3rd party. They in fact did not come from a 3rd 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 2024-10-22
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: Self Financial Inc. (OH)

Dear CFPB, I am writing to report that I am a victim of identity fraud. The following accounts were fraudulently opened in my name without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, the address XXXX XXXX XXXX was fraudulently associated with my identity and does not belong to me. I did not consent to the use of this address or the creation of the above accounts. I kindly request an investigation into this matter and assistance in resolving the fraudulent activity. Please let me know if you need further information or documentation to support my case. Thank you for your prompt attention to this matter
Consumer complaint received 2024-10-22
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Denefits LLC (CT)

I have been contacted by text from 4 different numbers to collect debt from the previous owner of the phone number starting on XX/XX/XXXX, XXXX days after I got my phone number. XX/XX/XXXX I was contacted again by XXXX XXXX who encouraged me to respond to " avoid all the collection efforts on the daily basis '' and ignored the text. On XX/XX/XXXX he texted me again and I informed him he had the wrong number. On XX/XX/XXXX, I received a text from XXXX XXXX containing the full name of the debtor, threatening legal action against me and I informed him that the account holder switched numbers. On XX/XX/XXXX, I was contacted by XXXX XXXX who also threatened legal action against me.
Consumer complaint received 2024-08-28
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. (FL)

I Recently went to open an account from XXXX XXXXXXXX and they didn't open it because it's reporting an account on my credit report that isn't for me. Please remove XXXX XXXX account # XXXX, has a balance of {$640.00} from credit report. Remove this asap, never was I associated with this account.
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

Someone named " XXXX XXXX '' with " ID # XXXX '' called me claiming to be from XXXX and trying to collect an unpaid IRS debt. She called from ( XXXX ) XXXX. She stated she was on a recorded line, but did not ask my permission to continue. She said the IRS debt was " substantial, '' then said it was " quite large, '' and that " interest is accruing daily. '' She said I should have received a letter from the IRS, which I did not. When I asked her what address the letter had been sent to, since I've been at the same address for the past 12 years, and the IRS has had no problems sending me letters at my address, she would not give me any information. She told me to call ( XXXX ) XXXX, which is not a valid number. She was rude, condescending and repeatedly stated the debt was " large. ''
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The accounts listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 3rd party. They in fact did not come from a 3rd 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.