davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
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. (MO)

I have submitted multiple documentation to the following 3 credit reporting companies, I have requested A Method Of Verification, and I did not receive anything and it's been over 45 days. My next move will be to file an law suit against these companies. The consumer law clearly states that unverifield information shall be deleted, but instead these companies are allowing these accounts to continue to be reported. Im demanding that the following items be deleted immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXXXXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I continue to ask for proof as part of the dispute process of late payments that are being reported on credit profile. Instead of sending the proof, the disputed months become " unknown '' while other months that were report without incident " ok '' then receives late comments.
Consumer complaint received 2022-10-25
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. (GA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I submitted a request to change my payment plan to the new XXXX plan and my account was placed in forbearance. I requested my account to be taken out of forbearance and continue making payments while the XXXX payment plan application is being processed. 

The reason I didn't want my account to be in forbearance is that payments made while the account is in forbearance are ineligible for the XXXX XXXX XXXX XXXX ( XXXX  ) Plan. 

My account was placed in forbearance starting XX/XX/XXXX through XX/XX/XXXX. I submitted XXXX requests ( on XX/XX/XXXX and XX/XX/XXXX ) to remove the forbearance. I made the payments for XX/XX/XXXX and XX/XX/XXXX while my account was still in forbearance. 

I had called MOHELA a couple of times about the forbearance being removed and I was told that due to processing delays, my requests to remove the forbearance haven't been processed yet. 

I was told that once the requests are processed, they'll be effective as of the dates I requested the change from, that the forbearance would be removed effective in XXXX since I requested the removal of forbearance on XX/XX/XXXX the first time. 

On XX/XX/XXXX, I followed up with MOHELA and I was told that the request submitted on XX/XX/XXXX has been processed on XX/XX/XXXX ( after the forbearance ended on its own ). XXXX became eligible for XXXX but XXXX isn't, the removal of forbearance hasn't been retroactive to XX/XX/XXXX as I was told. MOHELA said there's nothing they can do.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to report an identity theft incident and request assistance in addressing fraudulent accounts that have been wrongly added to my credit report. I recently discovered that my personal information has been compromised and used without my authorization to open credit accounts. I am taking immediate action to rectify this situation and request your help in resolving these issues. 

Below are the details of the fraudulent accounts : XXXX XXXXXXXX XXXX XXXX I believe that these accounts are a result of identity theft, as I have never applied for or authorized these credit accounts. To address this matter and protect my creditworthiness, I kindly request to take actions. I understand the importance of acting swiftly to rectify this situation and protect my financial reputation. I kindly request that you acknowledge receipt of this letter and provide a timeline for when I can expect updates regarding the progress of your investigation. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving these fraudulent accounts as soon as possible. Thank you for your cooperation and support in this challenging situation.
Consumer complaint received 2024-04-13
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. (TN)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXXXXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2017-11-03
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: Fidelity National Information Services, Inc. (FNIS) (MI)

I ordered my credit report from chex systems and I disputed the things that I did n't authorized and they sent me a letter back on XXXX/XXXX/2017 stating that everything in my report was correct. I am so sick of these credit report people telling you what 's right and what 's wrong. Please show me where I applied for credit, or gave someone written permission to run my credit. This is why I have a fraud alert on my credit report. These companies are not doing there job and it ; s sad that anyone has to keep calling or writing them for them to remove this. What person you know would let a company run there credit 10 times knowing that there not going to be approved. This makes no since. I want these company 's removed from my report. Or send me proof in writing that I aloud them to pull my credit on my behave. These companies claim to have ran my credit on behave of someone else. Which is not true and how can anyone else run your credit on behave of someone else. I would think that I would have to give permission to both companies if this is true. I also know that hen these so called companies ran my report they used the name XXXX XXXX like everyone else has been doing that is not my name. Thee only reason Chex systems has my correct name is because I sent them a copy of my license and social security card to update my information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To officially notify XXXX XXXX  XXXX, TransUnion and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : Example XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX  XXXX files ). Preventing an accurate financial picture. 
Per XXXX XXXX the correction is inhibited and a ticket was created to fix mixed member and remove XXXX. 
A followup was made on this and XXXX was to correct this in XXXX hours due today Saturday XX/XX/year> ; the issue is not resolved.
Consumer complaint received 2023-11-27
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. (IN)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2018-11-05
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. (CA)

I have disputed the late payment status reported on the account XXXX XXXX   XXXX XXXX Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is distressing to know that the information included in my credit profile has not been maintained with reasonable procedures to ensure maximum accuracy, as mandated by credit reporting laws. The accuracy of credit information is crucial, and every effort must be made to assure that information reported is entirely accurate and correct. I am specifically addressing the following information, which I request to be reinvestigated : XXXX XXXX XXXX and XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. In the absence of such documentation, I insist on the immediate deletion of this item from my credit report.
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We are trying to work with sps mortgage to fix our home loan. 
We uploaded the application we filled today and sent to them. 
We have been trying to work with sps mortgage for years now and they just keep denying us without good reason they just dont want to work with us. 
this was a bad toxic predatory loan originated back in XX/XX/2006 misrepresntion on terms of loan and forgery on documents from the loan broker.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been a victim of fraud some one was able to obtain a loan on my behalf with the bank i was banking with and also open credit card under my name LOAN : XXXX XXXX XXXX Account Number XXXX Account Type XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Account XXXX XXXX. {$3600.00} XXXX XXXX. {$3400.00} XXXX XXXX as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$3400.00} Balance Updated XX/XX/XXXX Recent Payment CREDIT CARD XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$830.00} Status Account XXXX XXXX. {$830.00} XXXX XXXX. {$830.00} XXXX XXXX as of XX/XX/XXXX XXXX
Consumer complaint received 2023-11-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope this letter finds you well. I am writing to address a critical matter concerning my credit report. Despite my previous efforts and successful removal of fraudulent accounts reported by other credit bureaus, I am still confronted with the persistence of a particular fraudulent account on your credit report. This account is the sole remaining stain on my credit history and is negatively impacting my financial standing. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have diligently followed the necessary procedures to dispute and remove fraudulent entries from my credit report. However, the specific account detailed above continues to persist on your report, creating an inaccurate representation of my creditworthiness. 
I kindly request your immediate attention to this matter and the swift removal of the mentioned fraudulent account from my credit report. The persistence of this inaccurate information is causing substantial harm to my credit score and overall financial standing, hindering my ability to access favorable financial opportunities.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 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 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 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 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 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 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 XXXX XXXX
Consumer complaint received 2022-12-22
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. (TN)

my information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. 

I don't recall non of these inquiries. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (TN)

I am writing to file a formal complaint against Truist Bank for the mishandling of a significant funds transfer and potential discriminatory practices based on XXXX profiling. 
I have been a customer of Truist Bank and recently initiated the process of transitioning my banking services to XXXX. Due to transfer limits on my new XXXX account, I opted to transfer my funds to my husband 's account at XXXX XXXX XXXX XXXX. After successfully setting up and verifying this external account through Truist 's online banking system, I proceeded with an initial transfer of {$5000.00}, which was completed without issue. 

However, difficulties arose during a subsequent attempt to transfer an additional {$5000.00} from my savings account. Noticing an unusual delay, I visited a Truist branch for assistance. A bank representative informed me that the transfer was processed, but not yet reflected in my app, and assured me that I could proceed with closing my Truist account. 

Subsequently, it was revealed that Truist had erroneously flagged this transfer as fraudulent and halted its completion, yet the funds were already debited from my account. Attempts to resolve this issue have been ongoing for over a month and a half. Initially, Truist stated they were awaiting an invoice from XXXX XXXX to confirm the non-receipt of funds. However, as of yesterday, Truist claimed ( via a phone call with client dispute representative XXXX XXXX ) that the funds were transferred to XXXX XXXX on XX/XX/XXXX. This claim was contradicted by XXXX XXXX, which confirmed, upon providing the trace number XXXX, that they had not received such funds. It appears that the funds are still with Truist, but they have somehow misplaced my funds. This leaves me without access to my {$5000.00} which is causing significant financial distress. 

Furthermore, I am deeply concerned about the potential XXXX bias involved in this incident. A Truist representative in the fraud department indicated that the transfer was flagged due to my husband 's XXXX name. The representative 's line of questioning specifically, whether I had met my husband in person and if he was not someone I met online from overseas was not only inappropriate but suggested XXXX profiling. My husband is an XXXX XXXX of the United States military and a XXXX citizen, qualifications necessary to hold a XXXX XXXX account. 

This experience with Truist Bank has been distressing, both financially and emotionally, and raises serious concerns about the bank 's operational integrity and commitment to fair and non-discriminatory practices. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that such incidents are not repeated, while also securing the return of my funds. 

Thank you for your attention to this important matter.
Consumer complaint received 2023-05-23
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. (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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX  has violated my rights. Or a 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 an 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.