davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (KS)

Fair credit reporting act states that someone is suppose to have your consent to pull my credit. And if they dont have my consent they are violating a federal law called the FCRA XXXX The company pulling your credit must provide documented proof of documents with my signature on it that I authorized and provided consent for the hard inquiry. The FCRA says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries listed below. If they fail to provide this documentation then XXXX, XXXX and Equifax must remove these inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A EQUIFAX Mortgage service XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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)

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 2024-04-25
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 am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the XXXX XXXX XXXX ( XXXX  ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (MA)

I was shocked to discover inaccuracies in my credit report after reviewing it. These inaccuracies could significantly impact my credit score and future financial opportunities. I urge you to take action to correct these reporting errors as soon as possible.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Per the FCRA, XXXX XXXX XXXX XXXX, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802 to report my information to a third-party agency effective immediately and indefinitely. Per 12 CFR 1016.7, I exercise the right to opt out at any time. 
The Privacy Act of 1974 protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their record by Federal Agencies. 
Please update my account by REMOVING. The account has been charged off and that is now considered a certificate of indebtedness and can not be reported to my credit report. 
I am requesting compensation of {$1000.00} per violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states permissible purposes of consumer reports, you can not report transaction history. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared per 15 USC 6801.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
I am requesting immediate removal from all 3 of my credit reports. 
Please respond within 30 days or I will be filing a complaint with the Consumer Financial Protection Bureau. 
Best regards, XXXX XXXX
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, XXXX, I submitted a reinvestigation letter to TransUnion pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). The account in mention is XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account held numerous inaccuracies and incomplete information. 

VIOLATIONS : 1. The Date Last Active reflects three ( 3 ) different dates across from each credit bureau ; A. TransUnion XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 ; these inaccurate dates are detrimental because they harm the seven ( 7 ) year length of a consumers right to removal of debt. 

2. The Date Last Payment contradicts the Date Last Active and the Two-Year Payment history. As the report reflects ; XXXX XXXXansUnion XX/XX/2023 XXXX. XXXX XX/XX/2023 XXXX. XXXX XX/XX/2023 ; In light of this error it clearly demonstrates that my credit report fails to demonstrate 100 percent accuracy. 

TransUnion failed to conduct an investigation allowing the incomplete and inaccurate information to continuously reflect on my credit report. 

TransUnion didn't even go as far as Updating this information to reflect accuracy. 

In addition, TransUnion failed to provide me proof of the investigation. Pursuant to 15 U.S.C. 1681i ( 7 ). 

Lastly, TransUnion failed to mark the account " Disputed by Consumer '', deliberately showing negligence in the investigation. 

Therefore, The multitude of violations complicit by TransUnion, in transgression of my constitutional rights pursuant to 15 U.S.C 1679c ( a ), ( " the credit bureaus must reinvestigate and modify or remove inaccurate or incomplete information ''. ) caused degrading prejudice to financial health. 

As well, in accordance to 15 U.S.C 1681i ( 5 ), the law impose that the credit bureaus are not limited to one option in making a determination. 

It is mandated that they delete an account if it is [ Inaccurate ], [ incomplete ] or [ un-verifible ]. 

The law doesnt allow the credit bureau to pick and choose a particular legal standard to validate their investigation. Nor the option to turn a blind eye to a consumers credit reputation without just cause. 

in short, Due process requires that If the investigation does provide consistency, accuracy and completion amongst all [ Credit Bureau ] accounts, then in light of the fruit of the XXXX  tree the [ I ] t MUST be DELETED.
Consumer complaint received 2023-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Real Time Group, Inc. (NJ)

An intent to foreclose with a settlement amount of approximately $ XXXX was received in XX/XX/2023. An application for loss mitigation was submitted on XX/XX/23 with a request to settle for less, I had to follow-up several times as I had not received a response. Reached out again when it was close to 30 days ( the notification timeframe required by RESPA ) and was told that my application was received on XX/XX/23 and that they had 30 days to provide a decision, however, the application was received by them on XX/XX/23 via email. on XX/XX/23 ( 36 days after receipt of the application ) I receive the list of options from Real Time and after only two months the amount to settle was raised to {$240000.00} almost $ XXXX more than the original balance. Also, the property value they used is exaggerated. I requested clarification as to what the additional amount of payoff consisted of. 
Additionally, right before the pandemic started, I had a list of options from Real Time to settle the loan which after speaking with a representative, I was assured the options were valid until a month later. as I was getting ready to get the funds together ( via XXXX withdrawals and other loans ), I was told the amount was no longer accurate and that the investors wanted more money. This company 's practices are unfair, deceptive, and abusive.
Consumer complaint received 2024-08-26
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: Experian Information Solutions Inc. (TX)

Verification Issues : According to the FCRA, credit reporting agencies are required to ensure that information on a credit report is accurate and complete. The specific provision is 15 U.S.C. 1681i ( a ), which mandates that when a consumer disputes the accuracy of information, the credit reporting agency must investigate the dispute and verify the accuracy of the information. 
Despite disputing the information with XXXX XXXX on XXXX, the bankruptcy report has not been corrected. The agency has failed to provide clear documentation or evidence of how the bankruptcy information was verified, which is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) that requires reasonable procedures to ensure the accuracy of information. 

US BKPT CT FL XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX number ( XXXX ) XXXX
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me
Consumer complaint received 2024-08-26
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. (AZ)

ACCOUNTS WERE OPENED IN MY NAME UNFORTUNATELY. The accounts listed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please make sure to remove these fraudulent accounts off of my credit report! I don't wish to include personal experiences of my situation.
Consumer complaint received 2023-09-16
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: Experian Information Solutions Inc. (PA)

I did not authorize these inquiries XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Consumer complaint received 2024-04-25
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$970.00} XXXX  XXXX Balance : {$750.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2300.00} - XXXX XXXXXXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$3000.00} XXXXXXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX : {$9700.00}
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is the second time that I've gotten in contact with Capital One in order to correct the issue the account was paid in full in XXXX the account is still reflecting showing a balance they are reporting the account to the credit bureau 's as pass due which is affecting the score. Completely negligent on their part
Consumer complaint received 2022-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC (CA)

I was charged by XXXX XXXX XXXX in XXXX of 2021 and the debt went into collections. I WAS NOT INVOLVED WITH XXXX DURING THIS TIME. it has been almost 20 years since I was in an ambulance and the debt was paid in full. Now this new account opened up with my name, my SSN and an OLD address of mine. THIS DEBT IS NOT MINE AND XXXX FAILS TO CORRECT THIS. XXXX and XXXX have removed this debt. The collection agency is BAY AREA CREDIT SERVICE. Please help me to get this debt off my credit report.. IT IS NOT MINE.
Consumer complaint received 2024-04-24
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. (PR)

I tried to delete the information that did not belong to me in my credit report, this account was opened fraudulently and they are still reporting on my credit report, these are the accounts XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I try to delete this and Transunion dont send me my credit report, and still reporting incorrectly on my report.
Consumer complaint received 2017-03-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Earnest Inc. (MA)

I submitted and had a student loan consolidation approved by Earnest LLC ( earnest.com ) on XX/XX/2017. They had stated payoff of loans being consolidated would be completed within 7-10 business days. 

They then stated they were experiencing delays, and stated 30 days. Then emailed again and said 60 days. Now XXXX 60 days has past and I have had no pay-off. Interest rates have now risen, so using Earnest is proving to be a costly mistake. 

Any help would be greatly appreciated to get the payoff completed.
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc. (NC)

Hi, Today I received a debit card through the mail from Square. The debit card was in my name and registered to a business XXXX. I called Square and they have cancelled the card and suggested I alert law enforcement. I was given an email of XXXX for any necessary support in the investigation. 

Thanks XXXX
Consumer complaint received 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MI)

On XX/XX/2022 my dispute was denied from here in the amount of {$900.00}, {$920.00}, & {$300.00} someone made unauthorized charges on my account & I reported it as soon as I found out I thought there was fraud protection on things like that they refuse to refund my money