davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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 the information. Any other adverse items 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 2023-12-11
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. (NJ)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-04-26
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports : XXXX. 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. This has violated my rights under the FCRA. 
15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history ), between the consumer and the person making the report ; XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- XXXX, TRANSUNION, and XXXX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. XXXX, XXXX and TRANSUNION are not an affiliate of XXXX. In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of Information ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given XXXX written, non-written, verbal, and non-verbal per 15 USC 6802.
Consumer complaint received 2024-04-26
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. (CO)

I am reaching out once more to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts. Following this submission, XXXX and XXXX have promptly removed these accounts from their records. 

Here are the details of the following accounts in question : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

Additionally, I have directly contacted the company associated with these accounts, and they have confirmed its removal. Therefore, I am perplexed as to why this accounts are still being reported by your bureau. 

It is crucial to acknowledge that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm.
Consumer complaint received 2023-12-11
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. (AZ)

To Whom It May Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2 . The following personal information is incorrect Account Number : EMPLOYER : XX/XX/ 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2024-04-26
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. (WI)

I have received print out of my New XXXX XXXX report from trans union which Cfpb services assistance verfiies attorneys regarding on going complaints dispute after l provided information no changes on the credit report transunion will be expose how horrible there reports companies attached information is still showing on my transunion report which been disputed since XX/XX/year> Companies XXXX XXXX Account XXXX not mine account XXXX XXXXXXXX XXXX XXXX Account XXXX Not mine account XXXX  XXXX XXXX Not mine account XXXX XXXX XXXX XXXX XXXX already information doesn't match ( XXXX XXXXk ) Identifications Wisc been sent Threw cfbp XXXX XXXX XXXX XXXX didnt match remove it XXXX Information been provided removed this from off my account Accounting XXXX XXXX  XXXX Delete information don't match Wisconsin drivers license XXXX  XXXX XXXX  Delete XXXX XXXX XXXX Payment history not accurate Delete information
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (TX)

This is for PNC Bank Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX My mortgage was transferred from XXXX XXXX  to PNC bank and I was not properly ( The mail was sent to wrong address ) notified causing me to make the payment late since I did not know where to make the payment to. Then there was an issue with the auto enrollment, I had called the bank and you can check my call logs. 
I want the 30 mortgage late to be reversed since I have a 90 grace period during a bank servicing change to make payments. 

Please help me as i had cash in my bank and there is no reason for me to delay the Payment. Its not my fault.
Consumer complaint received 2023-12-11
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: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-11
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX : XXXX REPORT # XXXX Date updated XX/XX/23 Date : XX/XX/23 Experian XXXX XXXX XXXX XXXX, TX XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. I demand you comply. 
I received the updated Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

Your were supposed to provide me the results of this reinvestigation requested within 5 business days, but you didnt as a result this item must be remove. 
( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by email. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed.

The items below should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 20 days and you failed to comply. 

XXXX XXXX 30 days payment late Under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-26
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)

PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

There are addresses on my credit report that are nonmailable addresses. There should be only one correct addresses as listed below to be listed in credit report. Also where did Experian Agency get the information reported because this would be a violation of The Privacy Act of 1974, ( as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. )
Consumer complaint received 2019-01-27
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: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I checked my credit score and found a derogatory remark from a company called Smith Rouchn, claiming I owed them {$55.00}. I have never heard of or from this company before, but after XXXX   them, I found nothing but 1 star reviews from people with the exact same problem. It looks like a scam company to me.
Consumer complaint received 2023-12-11
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2023-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A. (NJ)

I signed a loan modification in XX/XX/ on a home equity loan I had had for almost 20 years. In late XXXX of XXXX my loan payment was withdrawn but lost in a direct debit error at PNC Bank. I provided proof of transfer from my primary bank account at XXXX XXXX for {$1700.00}, my regular monthly payment. It took 6 weeks for PNC Bank to track the missing payment. Meanwhile while still searching my account became delinquent. At 31 days delinquent on XX/XX/2023, I was sent to preforeclosure. When I addressed this issue with XXXX from PNC Loss Mitigation he knew nothing about the missing payment, or that my loan was even restructured. He requested the full amount past due on the previous loan {$12000.00}. This is why the loan was restructured- A higher monthly payment for two years. When I contacted the monthly servicer of my loan, XXXX. the one who lost the payment ( XXXX XXXX ) she knew nothing about the foreclosure. I also was not getting a financial statement each month on this new account. The error by PNC Bank and their subsequent woeful unfamiliarity with my loan is astounding. The incompetence of the loan servicer who lost the payment and XXXX from lost mitigations and bold disregard for my concerns and the history of this loan is reprehensible. If I had just been allowed to pay the new monthly payment with any delinquencies the cost would have been a fifth of the demand amount loss mitigation required. My attorney is in the process of preparing a lawsuit against PNC Bank and their loss mitigation department. Lastly, when PNC Bank 's internal affairs division contacted me, the representative from that department was told by XXXX from loss mitigation to and I quote, " to stay out of it! '' Please address this complaint as they are two weeks from filing a foreclosure proceeding on my home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ XXXX XXXX XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2022-11-20
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. (NV)

In accordance with the fair credit reporting act, This Accounts has violated my rights : __________ Account : # XXXX Account : # XXXX 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.________________ Account : # XXXX Under XXXX : __ Last Payment XXXX Open Date XXXX Closed Date XXXX_ Last Reported XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Under Transunion : ___ Last Payment XXXX Open Date XXXX Closed Date XXXX Last Reported XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Account : # XXXX _________ Under Transunion : ___ High Balance XXXX XXXXXXXX Open Date XXXX Last Reported XXXX Under XXXX : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX Under XXXX : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX
Consumer complaint received 2023-09-21
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA 605B stipulates the removal of any erroneous accounts from my credit report. Would you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrect item reported on my credit file.
Consumer complaint received 2023-12-11
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. (IL)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-04-26
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)

It's my understanding that FCRA 605B necessitates the deletion of any incorrect accounts from my credit report. Could you review the paperwork, please? Several listed accounts display inaccuracies in reporting, with incorrect amounts and dates.