davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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 Account number XXXX I reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX Account number XXXX. Please investigate and PROVIDE PROOF with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (FL)

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have been a victim of identity theft since XXXX. The form of identity theft is aggressive and I have attempted to build a case with the Social Security office to potentially see if they could assist. I have been getting the run around for years and I am looking to regain control of my identity and my life.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about 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 any purpose.
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (FL)

on XX/XX/23 I was looking into my credit report and noticed an unknown collection from a company name XXXX XXXX XXXX. I had no knowledge of this collection. Apparently, it was from a place that I moved out of last year and when I moved I paid in full. I never had to sign any contract with this original credit nor with this collection company that bought the debt for little money from them. 
On the same day, I called the collection company to request the original contract sign for me since I don own that debt and all the information pertaining to the account and request. the customer service representative started to mock me because of my language she transfer the call to someone else even though I told her I am very capable and able to speak English. She also got upset because I told her that I am not going to give detailed information such as SSC and address because I don't feel comfortable and I don't own that debt. then she proceeds to tell me that I own that debt and I have until the XXXX of XXXX to pay or that I going to lose my credit. 
Attached you can see the last bill I had before moving from that place. on XX/XX/XXXX.
Consumer complaint received 2023-11-02
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)

I have been a victim of identity theft since XXXX. The form of identity theft is aggressive and I have attempted to build a case with the Social Security office to potentially see if they could assist. I have been getting the run around for years and I am looking to regain control of my identity and my life.
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-23
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (CA)

A drop in my credit suddenly appeared on three credit reports, Equifax, XXXX, XXXX showing a delinquent charge on an account that does not belong to me was. It was placed on my credit report wrongfully. I discovered this through an invoice being sent to me with a bill for XXXX from XXXX XXXX XXXX  XXXX XXXX XXXX I do not have a XXXX XXXX XXXX account. The purchases on the fraudalen card were made in XXXX XXXX I live in XXXX. I am now aware that my identity was stolen apparently with the intention of opening up a credit card at the XXXX  XXXX XXXX using my name. It may have been stolen to be used for even more nefarious ways. I do not know how these people or person obtained my SS number or address. This has impacted my credit significantly in a very negative way. I have reported this to the XXXX  XXXX XXXX, law enforcement, SS Admin. and the local police. I have reported it to each credit agency, and my own bank, XXXX. I hope you can help me fix this problem and have my true credit restored.
Consumer complaint received 2023-04-27
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. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$130.00}
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

I have sent numerous letters to the credit bureau and they continuously fail to make corrections to my file. Instead they use stall letters, and claim that a 3rd party sent the letter. They refuse to investigate and send proof of investigation to me even after more than 5 request in the past 12 months. 

Please refer back to the many letters I have sent in the past 12 months.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Innovis (NY)

I went into the bank to get a loan on the credit report serviced by cbc innovis it shows that I have over {$56000.00} all on student loans on the balance, I have a duplicate student loan account XXXXXXXXXXXX x2 and XXXX separate smaller accounts which affected my credit score as well as not showing my payment history making it basically look like I have not been paying on my loans, and that the duplicate account from the same company ( XXXX ) was reported on the same dates with the same last activity, also including the same high credit/balance along with same information regarding both a past due amount on both accounts.
Consumer complaint received 2023-02-15
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)

Based on explanation you provided in previous complaint ( complaint is attached ), your financial institution stated on the record that you engaged in discrimination based on place of origin and my application for loan was denied based on discrimination. 
My original question of the complaint was clearly stated : If the XXXX XXXX was engaged in discrimination. 

Your answer on record was : We do not discriminate against applicants regarding any aspect of the credit transaction on a prohibited basis. 

And I want to emphasize this quote : PROHIBITED BASIS this is word game, Because this is antonym of this word is PERMITTED, ALLOWED which leads us to conclusion that you still engage in Allowed Discrimination. 
My conclusion is : Yes I was discriminated based on allowed/permitted discrimination, but it doesnt change the narrative, because it is still counted as discrimination. 

Your actions is hurting my feelings, my well being and its violates United Nations Declaration of Human Rights.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (FL)

Prepared a XXXX  letter and mailed it XX/XX/XXXX certified and return receipt to Chase Mortgage XXXX department - per website to address in XXXX, LA. indicating my address for them to mail the information requested. Received XX/XX/XXXX received by XXXX XXXX per stamp. 
Followed up with phone calls and despite being internally escalated as of XX/XX/XXXX there was no response yet sent the first CFPB complaint XXXX to which partial response was given. A second CFPB complaint was submitted on XX/XX/XXXX XXXX, received a couple of calls at inopportune times and no response was sent to me. Please note the property address is XXXX XXXX XXXX, XXXX FL XXXX while my address is XXXX XXXX XXXX XXXX, XXXX FL XXXX. This has been clearly stated on the XXXX as well as both CFPB complaints. 

I have awaited correspondence from CHASE with the documentation requested on the XXXX and reiterated on the CFPB complaints. Come to find out that the reason why i haven't received the documents is because the response was sent to the property address to my XXXX. Wow, seems attention to detail is not a skillset here. 
The payment history included with the letter dated XX/XX/XXXX ( attachment pages XXXX ) starts on XX/XX/XXXX with loan set up however ends on XX/XX/XXXX, most recent commentary is XX/XX/XXXX. Please provide a provide updated pay history and commentary to date, as the ones provided are already aged. XXXX XXXX is also aged, as last payment reflected is dated XX/XX/XXXX. Has there been no additional payments made and no collection attempts by the servicer?? 

CFPB, please help obtain this documentation from the servicer, it is a reasonable request to have updated information readily available from the system of record and to have Chase the servicer provide it to the party making the request. 

My name is XXXX XXXX, the borrower. I can be reached at XXXX My address is XXXX XXXX XXXX XXXX, XXXX Florida XXXX- this is the mailing address for the request. PLEASE DO NOT SEND THIS TO THE PROPERTY ADDRESS!! 
I appreciate any calls services feels necessary to make, however this is a request for documents/information and calls will not suffice. 

Thank you in advance.
Consumer complaint received 2023-05-25
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX 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 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate reporting by credit reporting agencies, which has led to denials of my applications for both home loans and credit cards. I have taken multiple steps to address the inaccuracies, including disputing the information, but the credit reporting agencies have consistently verified the disputed account without rectifying the errors.

Specifically, I have encountered discrepancies concerning an account labeled as " XXXX XXXX XXXX XXXX XXXX' on both XXXX and Experian credit reports. Despite my repeated attempts to rectify the situation, the reported account information remains inconsistent across these bureaus. 

I have disputed the accuracy of this account multiple times and provided evidence to support my claims. However, to my dismay, both XXXX and Experian have responded by stating that the information has been verified and is deemed to meet the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

One of the significant issues is the inconsistency in the " date opened '' field for this account. This inconsistency is not only misleading but also affects the accuracy of my credit history. Furthermore, I have noticed that the debt associated with this account is not being reported consistently across all three major credit bureaus, which further adds to the confusion and inaccuracies in my credit profile. Also the " date closed '' field does not display a date which is illegal according to FCRA guidelines. 

The inaccurate reporting of this account has had significant repercussions on my financial well-being. I have been denied home loan applications and credit card approvals due to the negative impact these inaccuracies have had on my creditworthiness. This situation has caused me immense stress and frustration, as I believe that my creditworthiness is being unfairly compromised by inaccurate information. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter to ensure that the credit reporting agencies address these discrepancies appropriately. I urge you to investigate the inconsistencies surrounding the " XXXX XXXX XXXX XXXX XXXX '' account and ensure that the credit reporting agencies uphold their responsibility to report accurate and consistent information. 

I appreciate your attention to this matter and your commitment to protecting consumers ' rights. I hope that through your intervention, the inaccuracies in my credit reports can be rectified promptly, enabling me to pursue my financial goals without unjust hindrances. 

Thank you for your time and consideration. 

XXXX XXXX
Consumer complaint received 2023-11-02
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. (IL)

ATTN : CFPB I need you to engage in enforcement action on my behalf against TRANSUNION. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold XXXX, TransUnion, and XXXX accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to Transunion. I've attached proof that USPS delivered and signatures upon receipt. 
Transunion : XX/XX/XXXX, XXXX pm My request to block is not being made in error, nor is my request to block being made of material representation of fact by me relevant to the request to block the identified transactions. 

Identity theft account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX {$6800.00} Identity theft inquiries : 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 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capitol One is still holding on to my money after I have complained about it already. They said that it was insufficient funds but somehow they were able to take money out of that amount. Its still not making any sense to me if the check didnt have any money on it. They are trying to hold my money and keep and think its ok and its not. I will never bank with them again because they are taking people money like people just have money to give away. They need to send me my money back. Its been since XXXX of XXXX. Its should not take that long to investigate a deposit which is not a fraud as we spoke of this already. I will keep complaining about it until I get my money back.
Consumer complaint received 2024-04-23
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. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-26
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. (LA)

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 NumberXXXX Account Name : DEPTEDXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX 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 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.