davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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. (FL)

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 2024-05-16
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)

FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$17000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$530.00} Status Account charged off FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX FCRA violations : not my names XXXX XXXX XXXXXXXX. 
XXXX XXXX
Consumer complaint received 2024-08-27
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 request a copy of contract with my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: D.S. Erickson & Associates, PLLC (MN)

I work until XXXX XXXX  and its hard for me to really talk to any one about any thing I get up about XXXX XXXX  but I'm not sure on or what to say to them I'm just getting bye with the coast of every thing and I'm behind on my rent so I'm about to lose my housing and be come Homeless again I'm seeking help in mental Issues from my past when I was Homeless and my EX husband has past away in XX/XX/XXXX  and my work is cutting hours I'm hoping that they will pick up I work in REATIL I use to do this XXXX XXXX but like I have said with the price of every thing I need Help thank you XXXX XXXX XXXX you can call me XXXX ) XXXX about XXXX I should be good to talk with I will try and be calm but I have no one to help me with much of any thing I just work work and work if I can but I only work for one company and I take money out on my XXXX loans as well so I, m doing what I can Thank you
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I looked back at my credit report on XX/XX/XXXX, and noticed that my this account still stands. It is not accurate and should be deleted immediately due to the nature. According to the fair credit 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. This account { Name : XXXX XXXX & Account XXXX : XXXX }. This account is not accurate. According to 15 USC 1681s-2. A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
M
Consumer complaint received 2024-05-16
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)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2024-05-16
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)

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 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 responsible cause to believe that the information is inaccurate
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I received an alert from Experian stating that XXXX XXXXXXXX XXXX credit card reported that I was over my credit limit of {$29.00}. When I am not. I have proof. Experian also dropped my score from XXXX to XXXX with false information. I paid my bill on the XX/XX/XXXX of {$65.00}. Which left me a positive balance of {$35.00}. I spoke with XXXX XXXX XXXX  and was told by the representative that they DO NOT REPORT OVER LIMIT FEES. Only payments when they are 30 days late.
Consumer complaint received 2024-05-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (WA)

On XX/XX/year>, the sellers divorce lawyers court ordered to sell the house to me and my husband through a VA assumption with the current loan holder ; Freedom Mortgage. Not only does this benefit the sellers to save money on agent fees, but also allows us to assume the mortgage at 3.2 %. We have the cash to pay the difference between the assumable balance and market value. We are both well qualified buyers and have VA entitlement. 

Since XX/XX/XXXX, both sides of the transaction ( sellers and buyers ) have called numerous times to get information about the closing process and time frame. Our original packet stated once all required forms were submitted, closing would only take 45-60 days. That date would have been from XX/XX/XXXX. The communication with our loan processor has been non existent. Emails go unanswered and we have to call, whether our calls are successful or unsuccessful attempts, to reach the assumptions department as " they are to busy ''. When we do get ahold of the assumptions department, we are told someone will reach out to us with an update but, never end up getting a call back. Furthermore, we are all being told different information and time lines. We have yet to talk to our loan processor over the phone, though the assumptions department have read notes from her saying she spoke to us over the phone on XX/XX/XXXX and XX/XX/XXXX. Neither myself or the sellers have talked to XXXX, our loan processor. 

Furthermore, the assumption packet that was sent to us in XXXX, had three different closing estimates where the numbers did not match with our purchase and sale agreement making the closing costs for us XXXX more than what the sellers private title and escrow company projected. We have asked several times to have this corrected, but here we are still left in the dark as to what the closing costs will actually be. From XX/XX/XXXX, each week myself and the sellers are told by the assumptions department we should be receiving a call on Wednesday. Wednesday 's comes and goes with no call. We have also been told underwriting only takes 24-48 hours but that would have been from XX/XX/XXXX, according to the assumptions department. 

Both sides of the transaction need to financial prepare for mortgage and rent but we are being told even if we were to close in the middle of the month, the seller will be reimbursed that months mortgage and the buyers are expected to pay it even if the next mortgage payment is only a week away. 

Title and escrow have emailed Freedom Mortgage assumptions department and our loan processor for updates, with no reply. 

According to lending practices, you can shop for a home loan under one hard injury credit check that is good for 60 days. However, being this process is being drawn out, we will be receiving another hard inquiry. Today, I consulted with a real estate Lawyer who will be assisting us at $ XXXX hour and a {$350.00} demand letter.
Consumer complaint received 2024-06-07
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. (NJ)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Among many other things, herein attached to this complaint is very specific and exacting exhibits and proof i.e. cancelled checks, credit card statements, copies of old statements with paid off dates. 

CONSUMER FINANCIAL PROTECTION BUREAU shall step in and correct these issues. I am contacting my congressman and senators with a copy of this letter and the previous ones. Please see this is corrected. 

Thank you, XXXX XXXX
Consumer complaint received 2024-08-29
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)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX 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 a personal credit card account opened at ; XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with {$5400.00} as closed balance, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with {$2100.00} as closed balance, XXXX XXXX AND XXXX opened on XX/XX/XXXX with {$2300.00} as closed balanceXXXX XXXX XXXX opened XX/XX/XXXX with {$12000.00} as closed balance, XXXX XXXX  opened on XX/XX/XXXX with {$8500.00} as closed balance, XXXX XXXX BANK XXXX XXXX XX/XX/XXXX XXXX {$12000.00} as closed balance, XXXX BANK XXXX opened XX/XX/XXXX XXXX {$5900.00} XXXX closed balance, XXXX XXXX XXXX with original creditor XXXX XXXX XXXX Bank as collection with {$900.00} XXXX closed balance, XXXX XXXX opened XX/XX/XXXX with {$900.00} as XXXX XXXX, XXXX XXXX XXXX opened XX/XX/XXXX with {$3200.00} XXXX XXXX XXXX and an Auto-Loan with XXXX XXXX  XXXX XXXX with {$86000.00} as closed balance XXXX 

These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported ( ). The aforementioned accounts 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of a police report with report # XXXX and an FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/24 I deposited XXXX checks into my Chase Bank checking account, in the amount of {$XXXX} and {$XXXX}. The checks were drawn on XXXX XXXX Account. The checks were issued by a title company and represented proceeds from a sale of real property. 
Chase Bank withheld availability of most of these funds. Chase promised {$XXXX} would be available on XX/XX/24, but those funds still have not been released. Another {$XXXX} is being delayed until XX/XX/24. 
Why is Chase not obligated to give me access to these funds by the Federal Reserve Board 's midnight deadline under FRB Regulation CC and XXXX XXXX?
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-16
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatm
ent of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Consumer complaint received 2024-05-16
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)

I need to inform you I was the victim of identity theft. I'm disputing these accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 
The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over five years. 

But somehow, this fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent accounts since the submission of the required documents. 
Please dispute these accounts. This was opened with out my knowledge, authority or consent. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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

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

I demand the late payment reported to be removed.

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

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

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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (FL)

There are multiple hard Inquiries on my account. I have sent a notice to all credit bureaus. I have reach out to all companies that should not have pulled my credit. 

List of Unauthorized Hard Inquiries : - Inquiry 1 : WFBNA Card, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I demand immediate removal of this dispute item from my credit report. Furthermore I expect to receive an update credit report reflecting this removal within 30 days of the items removal. I trust that you will promptly address this matter in accordance with the law. Your cooperation resolving this issue is greatly appreciated.
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.