davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Specifically under 15 USC 1692c.

I recently discovered that there are several outstanding debts on my credit report, which have been attributed to accounts with the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The details of these accounts are as follows : XXXX. XXXX XXXX XXXX : - Amount : {$2900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : - Amount : {$2200.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX : - Amount : {$5900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - Amount : {$6400.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX I must clarify that I have no knowledge of these debts, nor have I authorized anyone to open accounts on my behalf. Furthermore, I have never conducted business with these creditors or incurred any debts with them. 
Under 15 USC 1692c of the FDCPA, debt collectors are prohibited from communicating with third parties about a consumer 's debt without the consumer 's consent, except under specific circumstances. Given that these debts have been charged off and are no longer active, I am concerned that my rights under this statute have been violated, as I have not authorized any communication regarding these debts.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the situation. Specifically, I ask that you work with the relevant creditors to remove these erroneous and unauthorized debts from my credit report as soon as possible.

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me if you require any further information or documentation regarding this issue. 
Thank you
Consumer complaint received 2023-04-12
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-15
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. (CA)

I disputed information on my report and the company requested through XXXX MAIL that I verify my own identity before they proceed. If they have an obligation to accuracy of my personal information why do I need to send my social security number and address or license information before they validate disputed information? 

I have validated my information with them multiples times and through the cfpb. If they cant verify my dispute without my information it needs to be removed from my report as inaccurate. I will not validate my own reporting information for them- investigate it, validate it ( which you can not because I no longer have reporting information with XXXX ) and kindly remove it from my report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Court Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX of Record : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - 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 The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (DC)

I had used SunTrust for years, but when I moved to a new apartment they were unwilling to process the fund transfers needed to pay my rent. So I called in during XXXX and when I realized they wouldnt do it, I decided to switch the bulk of my banking to XXXX, who would. When I called in to cancel my other accounts ( credit card ), I asked the agent what was necessary to keep my checking account open without fees ( in case I needed to cash a check or deposit cash in person ). She told me I just needed to have {$100.00} deposited each month via direct deposit XXXX bucks ( {$50.00} keeps getting autocorrected ) biweekly into the account. Each month this would put {$50.00} into the account, and for two months each year it would be {$150.00}, thus meeting their requirements. Since then I have gotten two {$10.00} maintenance fees. During XXXX, everything played out as planned, but one XX/XX/XXXX I received a maintenance charge of {$10.00}. I called and had it reversed, assuming it was a mistake. My balance was actually higher in XXXX due to the {$50.00} deposits and other deposits from my HSA. The reversal was credited on the XXXX. I noticed that I received another XXXXdollar charge on XXXX XXXX ( sorry, {$10.00} keeps autocorrecting and deleting this ). Ive called and nobody at SunTrust can explain it or provide an answer on what would prevent this charge.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CMI Group, Inc. (FL)

Credit Management LP has wrongfully report on my Credit Report collecting a debt that Ive never had any contract with them! I just all of sudden see a collections on my report! I dont owe them, I dont know them, Ive never get contacted by them 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 My right has been violated by Credit management LP
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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
Consumer complaint received 2018-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

My wife and I were going through financial hardship. We spoke with a manager explaining our unique situation and made a payment on both my wife 's credit cards with capital one.

Capital one accepted the payments, we setup a card in which I get automatic deposit from state of Oklahoma because I have a XXXX XXXXXXXX XXXX and receive SSI. My wife was XXXX at the time and in fact has been XXXX for the past two years. The amount we could pay on both cards was {$25.00} per card. I gave the account manager the information to make monthly payments on each card. 6 months goes by without a phone call and we received one stating we are nearing 6 months behind. I called and spoke with customer service and stated what I have mentioned above and that they need to check their records and listen to the pre-recorded conversation my wife and I had with Capital One. The customer service agent said they would review the recordings and get back with us. I never got a call back and had to call them. They said they don't keep recordings for that long. We made an attempt to pay at least something towards this debt. Capital one communication failed to even call us back. In fact the amount we paid before was suppose to divided between the two cards and they put it on only the card with the greater debt. Now they have hired counsel and want to take my wife to court. My wife had added me to the debt. I also have been in communication with the nation debt consolidation and relief. Please help us as I do believe we have been treated unfairly. We also have not received any communication since the incident by mail from capital one. Nor have we received any attempts to collect on debt. Just a service by process on my wife. They served her and I accepted service even though they didn't serve her by her correct legal name. 
I do believe I have more documentation on this as well. 

Thank you
Consumer complaint received 2023-05-06
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: Frontline Asset Strategies, LLC (DE)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that customer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the customers right to privacy. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. This account is an adverse item they ( Furnisher of info. to credit agencies ) are reporting again without my permission which is against the law. 15 U.S. Code subsection 1681s-2 ( A ) ( 1 ), 15 U.S. Code subsection 1681 e and 12 CFR subsection 1016.7.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand that as per FCRA 605B, it's essential to remove any erroneous accounts from my credit report. Could you please review the documents? I've noticed that several of the listed accounts seem to be inaccurate, and this is worrying me.
Consumer complaint received 2023-09-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

I would like to request a deferment for my XXXX mortgage payment. I have had to pay more bills this month. But I will keep the existing payment arrangements. That I have made.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023 I was placed for collection ( {$19000.00} ) from XXXX XXXX XXXX. 

It's not me, I never rented a house from the creditor XXXX  at XXXX  XXXX ( Rent/Lease ).
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are 8 open accounts with XXXX so I am going to group all of them together rather than doing 8 accounts. 

Pursuant to 15 USC 1692c. ( C ) ( 2 ) AND THE FAMILY AND EDUCATION Privacy Act of 1974. I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out the balance on this account Deletion from all consumer reports Pay {$48000.00} in Civil Liability in accordance to 15 USC 1692k ( 48 various reports ) and an additional {$5000.00} in mental anguish for having false information/income on my credit report causing me to be denied credit. Totaling {$53000.00} in damages.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-05-29
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. (PA)

TRANSUNION is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquiries reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, sign the application with consumer wet ink signature. consumer is Not asking for an e-oscar report. TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION XXXX XXXX XXXX  XXXX, TRANSUNION CORPORATION . I will be filing form XXXX XXXXXXXX XXXX form to audit consumers accounts. TRANSUNION is securitizing consumers data yet refuses to provide consumers a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-04-08
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. (TN)

In accordance with the fair credit reporting act.The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 u.s.c 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of conviction of crimes which antedates the report more than seven years.

U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-08
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. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-04-08
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. (VA)

in accordance with the fair credit reporting act XXXX  account numbers XXXX has violated my rights. 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. states a consumer reporting agency can not furnish a account without my written instructions I previously received an update, stating the account has been deleted, but of late i still see it in my credit report. I need this removed and never placed there anymore. 
I have attached proof stating it was deleted.
Consumer complaint received 2023-11-16
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. (SC)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX XXXX and XXXX account # XXXX XXXX has violated my rights.

15 USC 1681 SECTION 602 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AND PURPOSE.