davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
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. (NC)

I'm writing you today to inform you I was the victim of identity theft. Please let me this letter serve as a formal dispute of this account. I contact all the companies directly and was told to follow this steps to get this issue sorted. I filed a identity theft report with the FTC, have contacted all the company 's and now am disputing the info. Please help me with this matter. 

XXXX XXXX
Consumer complaint received 2024-05-26
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 am writing to dispute inaccurate information being reported by Transunion and XXXX. After all the multiple investigations and reinvestigations, the CRAs are still not doing there job of reporting accurate information of this account with XXXX XXXXXXXX XXXX  ( # XXXX ). All they do is report the balance date has been updated but they never acknowledge my disputes. 

The discrepancies I have identified are as follows : Inaccurate Last Payment Date : XXXX XXXXXXXX XXXX has reported to TransUnion and XXXX that the last payment on this account was made in XXXX XXXX.Contradictorily, they have also reported a payment in XX/XX/2018, which is inconsistent with the stated last payment date. 

Inconsistent Account Closure Dates : The account closure date reported to TransUnion is XX/XX/2018. 
However, the closure date reported to XXXX is XX/XX/2018. 

Transunion has failed my right as a consumer to use the maximum reasonable reporting efforts. They are not doing there due process of reporting accurately. These inconsistencies are negatively impacting my credit score and do not accurately reflect my credit history. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit reports, and the entities furnishing this information are required to report correct and complete information. 

I request that the Consumer Financial Protection Bureau investigate these discrepancies.
Consumer complaint received 2024-05-26
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)

I have reviewed my consumer reports and notice that I have two late payments on the account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy, I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XX/XX/XXXX ) ( XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact they we're never late. Thanks. Please see screenshots attached :
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is reporting an account that I have paid to the original creditor, XXXX. XXXX XXXX XXXX can't collect on a debt that I have already paid to the creditor. *see attached receipts as proof of payment*
Consumer complaint received 2019-01-10
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: GREAT LAKES (CA)

XXXX still not reporting current information on my student loan. Example, on my report dated XX/XX/XXXX, it only reports to XX/XX/XXXX. Great Lakes Borrower, states they report to XXXX. XXXX   blames Great Lakes. It isn't accurately reported, still.
Consumer complaint received 2024-05-26
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 am writing to formally dispute the inaccurate information that remains on my credit report despite multiple requests for investigation and reinvestigation. Specifically, this pertains to the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite my previous disputes, the investigation conducted by TransUnion has not resolved the issues and has been incorrectly reported as verified accurate. As a consumer, my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. The reported information contains several inaccuracies, including missing and incomplete details, as well as an incorrect date of removal. 
The issues with this account include but are not limited to : Inaccurate Date of Removal : The estimated month and year that this item will be removed is incorrect. 
Incomplete Information : There is missing information related to this account that needs to be addressed. 
I am requesting a thorough reinvestigation of this account. Please provide documentation that verifies the accuracy of this account 's reporting, or remove the inaccurate information from my credit report. 

As mandated by the FCRA, I am entitled to accurate and complete information on my credit report. I urge you to fulfill your obligation by correcting these errors promptly. Please send me a confirmation that the necessary changes have been made or provide a detailed explanation of why you believe the information is correct. 


Please address this matter at your earliest convenience to avoid further violations of my consumer rights. I look forward to your prompt response.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a follow up from Report XXXX XXXX XXXX  The law is very clear on the UCC laws and the UCC11 proves no liens on me or my property. If you owe a debt the creditors should put a lien to prove your indebtedness. The UCC filing allows creditors to notify other creditors about a debtor 's asset used as collateral for a secured transaction. UCC Liens are filled with the secretary of state acting as a public notice by the creditors. I have attached the UCC-11 CERTIFIED LETTER from the state clearly showing no liens or debt on me so how can you report anything as debt on my credit report? Per 15 USC 1681 section 604 ( a ) a consumer reporting agency can not furnish an account without my written instructions. 

Now to be specific these accounts should be deleted from my credit file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
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)

Transunion, XXXX, & XXXX continue to report an account incorrectly. I previously disputed the account XXXX XXXX  Account # XXXX and each consumer agency stated they verified the account but neither consumer agency sent me documents or any information to prove they did a reasonable investigation furthermore the account is listed twice on my report which this means this is causing my credit scores to be reported incorrectly because this account is lower my utilization by listing it twice. Federal law states you have to have proof to report information onto a consumers credit report and they have no proof which is why they did not provide proof. This is my final attempt to get this account removed or provide me with the evidence you used or the person you spoke to who stated this information was verified. I request you upload it in the portal do not attempt to stall by saying you will send me mail because I have no received any response from my previous complaints.
Consumer complaint received 2024-05-26
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. (MD)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score, ( XXXX XXXX XXXX ; Account Number XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-05-07
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. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX : XXXX and list of Inquiries. 

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 Stat
es : 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 2024-05-26
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)

XXXX XXXX Transunion Dispute Department [ XXXX Address ] Re : Identity Theft Dispute for Account # XXXX Dear transunion Dispute Department, I am writing to follow up on my previous correspondence regarding the fraudulent account listed under the name XXXX XXXX  with account number XXXX. As I have previously indicated, I am a victim of identity theft and did not authorize the opening of this account. I provided the following documents as required under the Fair Credit Reporting Act ( FCRA ) : 1. Proof of my identity. 2. A copy of an identity theft report. 3. Identification of the fraudulent information. 4. A statement asserting that the account does not pertain to any transaction I have made. Despite submitting these documents, the account has not been removed from my credit report. According to the FCRA, a consumer reporting agency is required to block the reporting of information that resulted from identity theft within four business days of receiving such documentation. I request that transunion immediately remove the fraudulent account from my credit report and provide a written explanation of the determination process if the account is not removed. Please note that I am prepared to escalate this matter to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general if necessary. XXXX also needs to provide the reasonable determination account was not removed or blocked Because I sent all information correctly Transunion also needs to provide reasonable determination with 4 days of identity theft block Or if no reasonable set block accounts as no electronic signature or signature of the original contract was ever provided If transunion does not block accounts on credit report Then they will be considered a accessory to identity theft and I will report the credit bureau I assert I am XXXX XXXX and have my license to provide I am I need no other documentation to show proof of who I am I want accounts removed They are identity theft There is also another XXXX XXXX  account from XXXX  XXXX that transunion is reporting I want blocked
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a XXXX XXXX customer since and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. XXXX XXXX is the first company that was willing to extend credit to me. 

I am writing to humbly request that you would be willing to make a goodwill adjustment to your reporting to the XXXX credit agencies. I have late payments with XXXX XXXX. since then i have not had a single missed payment
Consumer complaint received 2024-06-02
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern, On day XX/XX/2024, I looked at my report. I sent a letter to Experian on day XX/XX/2024 and here is my tracking number : XXXX asking them toreinvestigate these accounts : XXXX XXXX XXXX XXXX, sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year>, I wrote to Transunion requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from Transunion or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I wrote again and requested a reply within a reasonable amount of time. 
Transunion is not holding up to the law by not responding with my investigation results within a reasonable time. It has been well over Two Months.
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (RI)

We have been experiencing extreme hardship, me with an injury that left me XXXX which forced me into early retirement after XXXX yrs as a XXXX XXXX for the XXXX XXXX XXXX, then a XXXX XXXX XXXX XXXX to on/off to date ; my husband 's loss if his job last XXXX XXXX re-employed as of XXXX XXXX ). Thus we applied for a modification through our mortgage company, Nationstar in XXXX of XXXX. In our humble opinion, we received horrible service in our attempt at modification ; scanning in their computer which was never downloaded which held up processing, us constantly scanning, rescanning & faxing docs, talking to people who were rude, totally unprofessional, unknowledgable, being told frequently that part of the mod packet had expired & had to be resubmitted, etc, etc. We were told by one representative that Nationstar demonstrated this common behavior on purpose to gain more interest on the account, XXXX they certainly did. 1 year & a half later this matter has not been resolved ; we never received any response. We refiled in XXXX of XXXX, the new company, XXXX XXXX claims Nationstar sent out a decline in XXXX, XXXX. We NEVER rec ; d it. The company has now become XXXX XXXX, and I must say they are more customer friendly ; however misinformation is still rampant. 
We contacted HUD in the summer, that representative was no help. He resubmitted another mod & left us hanging with no action on our behalf. After receiving a foreclosure notice at the end of XXXX, we contacted another HUD representative who filed another mod on XXXX/XXXX/XXXX. We were told by the HUD official the the mod was declined for " insufficient processing time '' before the foreclosure, According to my research of federal regs, the consumer has up to 10 days before a foreclosure to file a modification. 
We contacted XXXX XXXX and relayed the same. At first they continued to refer to the 30 day allowance they had used for the purpose of the decline. Then a XXXX kindly stated she would look into it. We are waiting to hear the outcome, and would greatly appreciate any assistance provided.
Consumer complaint received 2024-05-07
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)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

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 2024-05-26
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2024-05-26
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. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, 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. (TX)

On XX/XX/XXXX I submitted letters to Credit Companies about inquiries in my report that I didnt recognize dating back to XX/XX/XXXX. They have yet to honor my request to remove the incorrect information. I submitted police reports but still no replies. 

I also show XXXX and XXXX has removed a debt but trans union still carrying it. I would also like that removed.