davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

It matters not how many times I report these errors you do nothing to correct them. Once again incorrect data and I am denied a loan or get a usurious rate in attempting to finance. In my opinion you inhibit me from gaining financing because of your inability to provide the correct data and score in a timely manner. This is most adverse to those who you allegedly report accurately on. Passing the buck to banks and lenders who have no interest in timely reporting because in the delay they can make more money- fact!. In this case you received confirmation of balance from a lender days ago to insure it was posted in a timely manner and it is still incorrect! You even prohibit me from dispute and correcting it- that alone says a lot. You also allow unknown entities to inquire on my account unauthorized and then have the gall to lower my score which I consider evil. Where is the business ethics? Also I am allowed by law to shop but your oblivious to that since you do not even allow that! CREDIT History inaccurate Submission Failed icon -You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you can upload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us at XXXX or contact the data furnisher of this information regarding your dispute. Really says a lot about you. You would rather report incorrectly and keep my score low! So I am penalized because THEY fail to report in a timely manner. BY opinion a great evil scam! Why are you disputing?? CREDIT UNION? Balance incorrect error icon There may be a gap in the time that your payment is posted by the credit grantor and the date it's reported to Experian to be recorded on your credit report. You got that right! We'll update your balance as soon as we receive your payment information from your creditor. Meanwhile whats my score and why did it go lower? As for the 42 inquiries you always warn me about- who the He @ # gave them permission- OH YOU- got it- I never gave them permission but yet you lower my credit score to XXXX because I have nothing to say to stop them. It speaks volumes XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. SURE KEEP IT ON AS LONG S POSSIBLE -WHY- it keeps my score lower- Great Job! Not disputable online to who you are! Need more? I think not you know who you are and why.
Consumer complaint received 2024-06-05
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)

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.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just looked over my credit report, which seriously depressed me since I discovered items that your firm failed to verify were true, erroneous, suspicious, and unverifiable. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( c ), as well as the Fair Credit Reporting Act, all information on my credit report must be 100 % correct. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % correct. I've included copies of every letter you sent below.
Consumer complaint received 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion has repeatedly violated my rights by reporting inquiries and closed accounts that show negative on my report. I have sent them a letter and a identity theft report that I filed before these accounts showed on my credit report that I was a victim of Identity theft and fraud. They refuse to remove these fraudulant claims from my report. it has been more then 30days and they are avoiding my request by sending stall letters saying i have the wrong company to dispute. I have clearly sent it to their dispute department otherwise they would not have sent a letter stating it was the wrong department. They have avoided my identity theft report that i have filed. I am very upset and hope that you can help me resolve this matter with them.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 2024-06-05
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. (MD)

15 U.S.C. 1681 ( Fair Credit Reporting Act ) Consumer 's Right to Maximum Accuracy : Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to maximum accuracy on their credit reports. This means that credit reporting agencies like TransUnion have a legal obligation to ensure that the information they report is accurate, complete, and up-to-date. 

Facts of the Complaint : On XX/XX/year>, TransUnion sent me a secure letter confirming that the disputed item " XXXX XXXX '' was immediately deleted from my consumer file. 
On XX/XX/year>, TransUnion informed me that " XXXX XXXX '' was back on my consumer file and claimed to have verified the account. 
Issue : TransUnion can't verify an account that was previously deleted. Their actions raise serious concerns about their compliance with the FCRA and commitment to maintaining accurate consumer credit reports. 

Consumer 's Rights Violated : TransUnion 's actions have violated my right to a fair and accurate credit report as guaranteed by the FCRA. The reappearance of a deleted account and the dubious claim of verification demonstrate a disregard for the accuracy and integrity of my credit information. 

My last name is popular. I am not the XXXX who owns these accounts, and just calling the data furnished to verify a common last name doesn't ensure accuracy and compliance with the FCRA. The CRA is guilty of what they do to the general public.
Consumer complaint received 2024-06-05
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've noticed some unfamiliar items on my credit report, indicating potential identity theft as I haven't authorized these accounts. This situation has been previously discussed, and I'm now requesting expedited removal of these accounts from my report. Their presence is causing considerable stress as they inaccurately reflect my financial history and management. Addressing this issue has proven challenging, and if resolution isn't achieved promptly, I'm prepared to seek legal recourse to safeguard my rights and seek a resolution. 

These erroneous entries on my credit report pose a significant obstacle, hindering my ability to achieve important financial milestones such as homeownership and supporting my family. I'm hopeful that we can swiftly rectify this matter and restore accuracy to my credit profile.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing and furnishing of my information. I requested to opt out of those activities but XXXX XXXX XXXX. continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against Transunion, XXXX XXXX and its assigns, affiliates and non affiliates on handling my private accounts. Attached is demand affidavit and agreement.
Consumer complaint received 2024-06-04
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2016-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We would like to pay off our mortgage. Sent what should have been final payment according to our statement which included {$600.00} over the amount due for that month which should have paid our balance principal and it was credited to the impounds rather than principal. Since we were so close to paying off the mortgage, in the 3 months prior we had made exactly the same payment in exactly the same method and they credited the principal correctly. We have both been calling requesting it to be fixed, telling us we would hear back within 7-10 days. Then we receive the next month 's statement, still not fixed, no reply back on the email, no calls that it 's been corrected and no record of our previous calls or requests for the situation to be fixed. 

In speaking with the operator this morning, I requested to speak to a manager. After being left on hold for an amazingly long period, she comes back on the line, assures me that she will take care of this and call me on Monday but that the manager is on another line and will not take my call. 

It 's like they do n't want us to pay off our house and we absolutely can not reach someone in the US to save our lives.
Consumer complaint received 2024-06-05
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. (MD)

XXXX XXXX IS REPORTING XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PAID OFF BUT AN XXXX OF {$1500.00} XXXX. XXXXXXXX XXXX OPENED XX/XX/year> - I HAVE A PROVIDED THEM WITH MY POLICE REPORT SHOWING I WAS A VICTIM OF IDENTITY THEFT AND FRAUD. THEY STILL HAVE NOT REMOVE FROM MY ACCOUNT TRANSUNION BUREAU IS REPORTING XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PD OFF BUT AN AMOUNT OF {$1500.00} XXXX XXXX IS REPORTING XXXX. XXXX XXXX XXXX HITTING MY ACCOUNT BOTH IDENTITY THEFT. WAS REMOVED ONCE AND PUT BACK. ONLY SHOWING XXXX CARD ON XXXX OTHER CREDIT BUREAUS XXXX XXXX XXXXXXXX SHOWS XXXX CARDS ON THIS BUREAU ONLY - IDENTITY THEFT/FRAUD
Consumer complaint received 2024-09-24
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-05
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)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-05
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 trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments.It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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)

I've sent dispute letter to the credit bureaus in XX/XX/year> asking them to delete address and names that do not belong to me. They have never responded or removed this inaccurate information for my report.
Consumer complaint received 2024-06-05
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-05
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)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

Last month I needed a computer for work, so I purchased several parts on Amazon where my total cart was {$1600.00}. As it was a big amount I decided to use the equal pay plan that my amazon visa offers. The payment and plan went through flawlessly. I was prepared for the monthly payments that would amount to around {$130.00} a month, but to my surprise when I was checking my account to get ready for the payment the minimum payment was lower than expected. I looked into my statement and come to find out that two of the items equal to {$940.00} where not placed under the equal pay as they should have been. This I was not prepared for as I budget my money accordingly. I reached out to Amazon they told me that they should have been under equal pay as stated in my Amazon statement, so I should reach out to Chase to see why. I reach out to Chase they tell me that that's what Amazon sent them and they can't do anything about it unless I go under their own payment plan ( which makes me pay a fee ) or I need to contact Amazon. It went back and forth for a week of me trying to get to the bottom of why each company is not helping me. Finally on XX/XX/XXXX when I called Chase once again their representative tells me that he'll send a memo to Amazon to see what they can conclude on. I finally got a response yesterday where once again they tell me they can't do anything and it's Amazons fault. I decide to try Amazon again I finally reach a representative that tells me I'll get a refund for those items and should get a response in 3-5 days. This morning I got an email where they said they can't do anything and I need to contact Chase for help. I contact Amazon to ask why if they agreed to send me a refund they're now telling me to contact Chase. For the first time I get a representative that asks for screenshots of my bank statement. It clearly shows those two items are not in equal pay, but he ignores it and tells me it is. I decide to send him screenshots of the individual items where it says they're not in equal pay. He tells me to give him a moment and kid you not 2 minutes later he disconnects with me. Stunned by what just happened I connect with another agent that says she'll send an email to the same people that have not helped me. When i'm trying to tell her something she keeps copy pasting a response of " they'll reach out to you in 24 hours '' ( i've gotten this before they just direct me to Chase ) she spam pasted that 10 times and disconnected me. Now i'm here because I don't think what these two companies are doing is right. When they force me to pay 9 times what I was planning to not get any interest I was promised it makes my budget very tight as I need that money for food/gas/essentials/and other payments.

Sorry for the long message and thank you.