davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am a XXXX veteran that closed on a HELOC loan for $ XXXX in XXXX 2006 with XXXX XXXX XXXX. The loan was sold to Bank of America and my monthly payment is {$420.00}. I tried to refinance the loan through a few credit unions for veterans and have no success. Currently the loan is in a foreclosure status due to my unemployment. I have a buyer for my home and need for BOA to stop the foreclosure fees and process, and they are unwilling to do.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I have many old charge offs from private student loans. The worst of them is XXXX. They have incorrectly reported my first date of delinquency. 
And payments are being shown as made, account current, or just plain no data showing at all. All these charge offs are 7 years old and I have the payment history proof from my XXXX  account to prove it. Most have a first date of delinquency as XX/XX/XXXX. A couple have XX/XX/XXXX. Both of which are old and should have fallen off. XXXX and TransUnion  are showing a XX/XX/XXXX drop off date, which is incorrect. Please help me. 
This has ruined my life for so long. I have current disputes out through a credit repair company since XXXX with no luck, so I have recently disputed myself online. I have submitted my last payment made XXXX  documentation so it should be a no brainer I dont understand. 
There are other XXXX XXXX loan issues. 
One account is very old with a first date of delinquency as XX/XX/XXXX but they keep reporting missed payments as newly missed reaging the debt. Account is XXXX. Another is XXXX  and XXXX, also with original dates of delinquency in XXXX but they are showing XXXX, and I have no access to my account anymore to prove it. 
Please help me. These charge offs are so old and need to be removed. These loans were taken out as a student as early as XXXX. And the rest of my credit has been responsible after I got a good job and paid off what I could. Thank you. so much for helping me.
Consumer complaint received 2023-09-01
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. (NC)

My name is 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 2023-09-01
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. (TN)

I am a victim of identity theft. I did all the paperwork and sent them in to the credit reporting agencies. They have never removed the accounts and attached my paperwork to the disputes I requested. They have not given my copies of the verification report. All these processes are required by the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX * XX/XX/XXXX * XXXX XXXX XXXX XXXX XXXX CA, XXXX * ( XXXX ) XXXX - XXXX [ XXXX XXXX XXXX XXXX XXXX CA, XXXX ] [ XX/XX/XXXX ] [ TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX ] Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Account # XXXX Current dispute File number : XXXX Estimated completion date : XX/XX/XXXX XXXX, XXXX # XXXX 15 USC 1681 SECTION 602 A. States I have the right to privacy.

Thank you for your assistance. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX - Account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Consumer complaint received 2024-04-23
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)

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 2023-12-26
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. (MA)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. than I contacted Transunion few times already and it still reporting unverified Inquiries on my credit report.
Consumer complaint received 2023-09-01
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. (GA)

I am writing to formally dispute and request the removal of inaccurate information from my credit report, as provided by your bureau. It has come to my attention that the items I recently disputed have been verified, but upon further review of my credit report, I have identified numerous additional inaccuracies. These inaccuracies are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries or if they contain inaccuracies, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 
Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX  incorrectly reported to all  XXXX  credit bureaus that I was late paying my mortgage in  XXXX  when in fact I sold my home on  XXXX / XXXX / XXXX .     I contacted   XXXX   after I attempted to get a pre-approval letter from  XXXX   XXXX    XXXX   XXXX   XXXX  and  XXXX  Loans who reported my loan being open in  XXXX   XXXX . They told me that the loan was closed by them  XXXX   XXXX ,  XXXX , which is not correct according to the closing documents from   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   ,   XXXX   XXXX .      XXXX  filed a dispute for me at that time. I received the documents sent me from  XXXX  but it did not include a letter that they in fact reported it late to the credit bureaus, which was also requested. They did not attempt to call the bureaus to rectify their error.     I used  XXXX  to help resolve the problem in  XXXX , however it has been a month and  XXXX  has yet to respond as of  XXXX / XXXX / XXXX  inquiry from  XXXX . The other  XXXX  agencies have not taken it off their reports  XXXX  and Experian have placed the request by  XXXX  into investigations since they have inadequate documentation.     Today,  XXXX   XXXX ,  XXXX , I called  XXXX  at  XXXX  and they told me their dispute is pending. I explained that it was unacceptable that I have not received a letter form them stating that there was an error made by them in reporting the loan delinquent when in fact the loan was closed by them and not documented accurately!!!     They refused to let me speak to a  manager  or supervisor in their department. The rep handing the call gave me a number to fax to  XXXX  a written authorization for them to speak to the Credit Bureaus Agencies, (  XXXX  ) ..
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I was looking at my report and noticed there was some things that was not correct. I sent a letter to XXXX, XXXX, and Equifax on XX/XX/24. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in consumers file at a customer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning of the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-08-07
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 — Problem with personal statement of dispute
Company: REGIONS FINANCIAL CORPORATION (FL)

On XXXX XX/XX/2023 I sent XXXX, XXXX and XXXX a Notice of dispute for account Numbers : XXXX, XXXX. The results of the investigation came back verified. I'd like a copy of the investigation report, Date of contact, name of person contacted, and what procedure was used to confirm the information
Consumer complaint received 2023-09-01
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. (FL)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take prompt action to enforce the relevant legal provisions and rectify the injustices I have endured. The violations I am reporting involve inaccurate personal information, and questionable account details on my credit report. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and related regulations. The following are the specific violations I have identified : Inaccurate Personal Information : Violation : Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, creditors are required to report accurate and up-to-date information. The incorrect addresses listed on my credit report violate this provision. I provided the correct address and my social security number to this reporting agency and they continue to knowingly put inaccurate addresses that I have never resided at. I sent a photo copy of my Drivers license that has my only residence. I do not get any legal mail or correspondence from any address other than my home : XXXX XXXX XXXX XXXX XXXX Texas XXXX. I also sent a photo copy of my social security card. I have ask them numerous times to remove the inaccurate addresses. I provided my drivers license and social security card as they requested with my address and only address that I want on my report. I also contacted creditors who provided inaccurate information to the reporting agencies and received deletion and removal of account assurance. I was told that they would request to remove and delete accounts to the all reporting agencies. This reporting agency is still reporting inaccurate information on my credit report. I have requested as well as some of the creditors to have accounts removed. Apparently they have not been remove as requested. My rights are being violated and by consumer laws Im requesting relief immediately.
Consumer complaint received 2023-09-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDICO. INC (SD)

I been dealing with a XXXX XXXX. Every time I have talked to her she was very aggressive and mean. She has threatened to take me to small claims court. I have been trying to make payments online but will not let me. And she kept saying I can pay over the phone if I give her my card information or banking information which I am not comfortable doing that because I dont know who this person is. I got a letter in mail asking to set up a payment plan. Which I already did but they only pulled two payments. Every-time I have talk to her and I asked her if I can talk to a manager and she refused and would not let me. I even asked her to email me for communication which she does have my email. But refused to do that and still tries to call me. I asked if she will stop calling me and email instead because its a lot easier when I am at work. I cant be answering personal calls when I am working.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature.