davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I became aware of my identity being stolen when XXXX notified me via email on Monday, XX/XX/XXXX, stating that a credit inquiry had been initiated bXXXX XXXX XXXX XXXX, a financial institution I had never engaged with before. The following day, XX/XX/XXXX, I received an email from XXXX XXXX XXXX  congratulating me on the approval of a new credit card, which I had not applied for. Taking immediate action, I contacted XXXX XXXX XXXX to request the cancellation of the line of credit, making it clear that I was not the individual who initiated the credit request. 

Subsequently, I reached out to XXXX to file a dispute and promptly reported the incident to the Federal Trade Commission. Shortly after that, I received another email from XXXX XXXX regarding an XXXX XXXX card that had been opened in my name. To address this, I contacted XXXX XXXX and requested the closure of the account associated with the fraudulent activity. They informed me that if XXXX XXXX XXXX  closed the credit account, the XXXX XXXX card would automatically be closed because of the affiliation between the two. 

I filed a police report on XX/XX/2024, with XXXX XXXX of the XXXX XXXX Police Department, XXXX XXXX recommended that I file this report with IC3.gov. 

I contacted all three credit bureaus to initiate a freeze. However, I encountered an issue with TransUnion when the representative started asking me unrelated and confusing questions, like the residence locations of unfamiliar individuals. This prolonged questioning and the agent 's heavy accent made it challenging for me to comprehend. When I expressed my difficulty in understanding, she mentioned that due to my perceived failure in the verification process, I needed to call back after XXXX hours to implement the freeze, before ending the call she tried to sell me a product. 

I then went online where I was able to place the freeze on TransUnion Credit reporting free of the condition of product purchase.
Consumer complaint received 2024-04-29
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. (FL)

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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had an extended fraud alert on my credit report with all three bureaus. I was able to successfully remove from tranunion online and XXXX via phone. I had to submit a bunch of supplemental documentation for XXXX  but they eventually removed it from their report as well. A few days after the removal, tranunion initated and placed another extended fraud alert on my credit report. This prompted the other XXXX bureaus to readd the fraud alert onto my credit report. I went through the same process again and removed all three. A few days later, another fraud alert was initiated on all three reports without my consent or any documentation requesting it be added on my behalf. Frustrated, I called experian who informed me that they were able to see that tranunion was the bureau that reinitated the fraud alert. The XXXX  representative provided me with the confirmation code that transunion provided to them when they initiated the fraud alert ( XXXX ). Transunion keeps initiating fraud alerts on my credit report AFTER Ive submitted requests and have the fraud alert removed from my credit report. They initiate the extended fraud alert without my consent and without me submitting additional documentation to them. I can not get and keep the fraud alerts removed d/t Transunion reinstating of them.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I need clarification as to why you are reporting certain information on my credit report. Please review the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting these accounts as charged off yet you also reporting a monthly payment? Delete these account immediately for inaccurate reporting.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2023-11-07
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account 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 account and remove them immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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. (NY)

I recently reviewed again my XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-01-10
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. (IA)

My information was sold and bought illegally because I was victim of the XXXX data breach. L want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted Account # XXXX XXXX XXXX. 
Please help me delete these illegal items from my credit report immediately. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX. Please delete these accounts from XXXX and Transunion as well.
Consumer complaint received 2024-03-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (IN)

I owed the company XXXX I saw principal balance was XXXX $ so I paid the XXXX $ than my payoff balance went to XXXX so I gave them XXXX dollars my payments went up XXXX dollars haven't paid them in a couple of day just checked now it's XXXX $
Consumer complaint received 2024-06-17
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. (TX)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2023-11-07
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. (SC)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
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. (MA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-01-11
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/ but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX XXXX Inquired on XX/XX/ XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted XXXX and told them that this inquiries are fraudulent and provided proof, even though they told me that this inquiries were verified. 
Please dispute and remove this fraudulent information from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NY)

I tried to log into the account to see my account. I forgot my password and attempted to change it but never received the link to do so. That was on XX/XX/2023. I emailed them to tell them I cant afford the the loan payment. Ive heard nothing back. That was XX/XX/2023. 

Finally, Im not even sure what kind of loan this is. I think it is federal, but Ive had so many in the past, I dont know.
Consumer complaint received 2023-08-28
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. (NY)

My credit report is showing late payments on XXXX XXXX XXXXXXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX service representative.
Consumer complaint received 2024-01-10
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 would like to follow up on the status of the accounts listed below, which are reported by TransUnion & XXXX agency : XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX  XXXX As you may be aware, most of these accounts have already been deleted from XXXX 's records, Now, since these Consumer Reporting Agencies does rely their information from the same furnisher for each account, I assume that they should have access to the same updated information as XXXX. 

I am requesting that they must delete the inaccurate accounts that were previously reported by their agency, as they have been deleted from XXXX 's records.
Consumer complaint received 2024-04-29
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. (PA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The FederXXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.
Consumer complaint received 2024-01-10
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. (PA)

I am a victim of identity theft through XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have recently learned that my personal information was used and compromised in several different ways. I did not authorize charges and or information given to financial institutions and credit card issuers. I have submitted an FTC report and Documents showing my information was breeched. I have also requested the original document used to confirm this debt, original contact with my signature. I have not been provided with any documents that I have requested. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2024-01-10
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)

On XX/XX/2024, I submitted a letter to Transunion declaring that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction. Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state that a credit reporting agency may only furnish and report personal information to a credit report with the written instruction of the individual as to whom the report relates. Transunion has yet to take any action on the removal of these accounts from being publicly disclosed. It is Transunion 's duty to abide by the laws that allow for consumers rights to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 of 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2024-04-29
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee 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 2023-06-16
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: EQUIFAX, INC. (TX)

After admitting to CFPB, all was well, addressed, properly investigated, handled, and really taken care of as promised! Just simply didn't happened! Instead their aggression, fabrication, misconduct, abuse of power, authority, carelessness, propaganda, harassment, witness tampering, personal attacks, invasion of privacy ( interference with my willingness to live ), conspiracy theories, adding insult to injuries, and way over the top, continously violations of my health, civil, and constitutional rights are very deep, problematic, and disheartening! Equifax is always ever learning, and never able to deal with the truth! They care more for, and in favor of/with ; my past Creditor ( XXXX ), than this consumer, telling the truth, bringing corrections, doing the right, trying to bring clarity, and closure to this madness ; that's way out of hand, at this gesture! This just can't continue, and go on like this, in its present state!
Consumer complaint received 2023-09-27
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX