davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment information reported by TransUnion, XXXX, and XXXX on a XXXXXXXX XXXX XXXXXXXX account ( Account # XXXX XXXX ) that does not belong to me. 

Below are the specific details of the account as reported by each bureau : - **TransUnion** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$1000.00} - High Credit : {$1000.00} - Credit Limit : {$700.00} - Past Due : {$1000.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Canceled by credit grantor ; Account has been closed due to inactivity ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - **XXXX** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$1000.00} - High Credit : {$0.00} - Credit Limit : {$700.00} - Past Due : {$1000.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Canceled by credit grantor ; Account has been closed due to inactivity ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I have never opened or authorized this account. As such, the information reported is inaccurate and must be corrected or removed. 

I request that the CFPB investigate this matter and instruct TransUnion, XXXX, and XXXX to remove the incorrect account information from my credit reports. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-05-20
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)

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 2023-07-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-20
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 have not authorized, nor recognized the following inquiries. These statements are shown from 3 different credit bureau. 
As an action Ive placed a fraud alert on my credit with XXXX until l get to the bottom of this matter. 

XXXX XXXX unauthorized inquiries : XXXX XXXX : XXXX Inquiries date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Next somes of unknown inquiries are From Transunion XXXX XXXX inquiries XX/XX/XXXX XX/XX/XXXX XXXX XXXX inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX inquiries XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX inquiries XX/XX/XXXX XX/XX/XXXX The following are unauthorized mixed with unknown inquiries from lenders, banks, credit cards all without my knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX inquire XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX inquiries XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX inquire : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX inquire XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX inquire XX/XX/XXXX XXXX XXXX XXXX  XXXX inquire XX/XX/XXXX XXXX XXXX XXXX XXXX inquire XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Following are credit cards inquiries unknown XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
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 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 2023-12-28
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-09
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. (MA)

XXXX XXXX fraudulently and irresponsibly issued to someone else a XXXX XXXX in my name without using any due diligence whatsoever. 
This happened XXXX. The card was used for over {$10000.00}. 
XXXX also allowed this with an incorrect address ... .I never lived in Florida XXXX 
My credit score for the last 30 or 40 years has always been over 800. 
Experian has me listed with many many exceptional payment histories. Tried to get an XXXX credit card about a month ago but was denied because XXXX Credit Card has dragged my score down to XXXX from over 800..that 's their fault not mine. 
Filed a complaint with Experian but so far no results.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-19
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. (CA)

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX XXXX has violated my rights. 

XXXX5 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 can not furnish an account without my written instruction 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 2024-05-19
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. (NC)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry XXXX XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous account on my credit report that were not open by me. this has been hurting me as i am in the process of buying a home for my family. please remove the fraudulent accounts from my credit report as soon as possible. 


account name ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts : There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Address XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Nationstar Mortgage- Loan # XXXX I ) My account representative is n't very reachable. I have called and emailed several times without receiving a timely response. 

II ) I have been asking to fill out the mortgage application two times and there is n't a clear log of the information that I sent in. 

III ) The review process is n't complete and the list of open items keeps on changing from week to week. I ca n't get a final list of missing documents. 

a. I was told on XXXX XXXX that they need XXXX more documents to complete the loan process I sent them in on the same day. 
b. On XXXX XXXX - I was told that the reviewers are still missing XXXX difference documents - I emailed the information on XX/XX/XXXX. The review process still wasnt final c. On XX/XX/XXXX I received another request for XXXX different documents IV ) My reinstatement loan balance keeps on changing because of the delays above. I 'm seeing more legal fees assess to the account V ) While I 'm applying for a loan modification a Sheriff was sent to the property to give my tenant 20 days to vacate the property on XX/XX/2015 The load modification is being delayed while the lawyers are pushing forward the foreclose process.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

They offer a 12 month promotion with no interest on medical bills. If you make 2 charges, months apart they lump both bills together and payments get allocated to both charges. If at the end of 12 months you call and tell them you want to make a payment that will pay off the first charge so you are not paying interest and a second payment for the second promotion charge they say Ok. That does NOT happen! Again the payment is lumped into both charges and they continue to charge interest. 3 phone calls and Im still being charges interest.
Consumer complaint received 2024-05-19
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. (PA)

I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report Im asking that this inaccurate account This company was involved in a class action lawsuit and that they were in violation of the ucc code there was a class action settlement involved with XXXX XXXX  please delete this account off My credit report
Consumer complaint received 2023-12-28
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. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This account was charged off on XX/XX/XXXX since then the account has repeatedly been updated as charged off every month.There was also a inaccuracy with the last payment made on XX/XX/XXXX. This is an update in the payment history. A charged off account should not include an active payment history..this inaccurate information falsely manipulates the statutes of limitations .You failed to investigate this account properly and your neglect has violated my rights.i am demanding a deletion of the following account
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

Stayed at XXXX XXXX XXXX XXXX XXXX XXXX collection by XXXX, VA ( XXXX ). American express XXXX XXXX card been charged {$45.00} more. 

As a XXXX XXXX XXXX I am supposed to get the breakfast credit. They gave me a breakfast credit {$45.00}, but then out of blue, they charged {$45.00}. It makes no transaction on my bill statement, but After all, no breakfast credit received. 

SO, I have been requesting investigation about breakfast credit ( {$45.00} ) with charges ( {$45.00} ) made by XXXX XXXX at XXXX XXXX XXXX. I have not either purchased or spent any .I have been disputing about the breakfast credit with charges since XX/XX/XXXX. I have been requesting the explanation of the charges {$45.00} at XXXX XXXX XXXX XXXX 

Amex sent me an info letter about the dispute closed without resolved. No credit received. 
So, I requested to reopen the case. 
Now On the XXXX statement ( closing date XX/XX/XXXX ), Superficially, It seems that they gave me a credit {$45.00}. But they charged the {$45.00} again on my XXXX bill ( closing date XX/XX/XXXX ). 

American express is not investigating the charged made by XXXX XXXX XXXX XXXX XXXX XXXX collection by XXXX, also manupulating the billing monthly, treating XXXX XXXX with dishonor. 

Even though just {$45.00}, I have been disputing since XXXX this year. It's been 5 month. 

I would like to share about this publicity so that others can learn from my experience. 
Please let me know what step that I can take. 
I am looking forward to getting response. 
Thank you.
Consumer complaint received 2024-05-19
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)

Dear Sir/Madam, I am writing to formally dispute the accuracy and legitimacy of certain inquiries listed on my credit report obtained from your agency. Upon reviewing my credit report, I have identified several unauthorized inquiries that have been made without my consent or authorization. These inquiries have negatively impacted my XXXX XXXX and financial standing. 
Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information listed on a consumer 's credit report is accurate, verifiable, and obtained with proper authorization. Additionally, according to the FCRA, Section XXXX ( c ) ( XXXX ) ( B ), credit inquiries must be made with the consumer 's express consent or for a permissible purpose as defined by law. Any inquiries that do not meet these criteria are considered unauthorized and must be removed promptly. 
I have carefully reviewed my records and can confirm that I did not provide consent for the following inquiries : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Coaf XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Team XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore, I have not initiated any new credit applications or transactions with the entities associated with these inquiries during the specified timeframe. Therefore, these inquiries are in direct violation of my rights under the FCRA. 
In light of the above, I kindly request that you conduct a thorough investigation into these unauthorized inquiries and remove them from my credit report immediately. I also request written confirmation of the removal of these inquiries once the investigation is complete. 
Failure to comply with this request may result in further legal action to ensure the accuracy and integrity of my credit report in accordance with federal law. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2024-05-19
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 DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and XXXX XXXX XXXX XXXX, NC 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: EQUIFAX, INC. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$380.00} ), XXXX XXXX XXXX # XXXX ( {$110.00} ) I looked at my Equifax 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are suppose 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 inaccurate