davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint against Equifax for XXXX  violations of the Fair Credit Reporting Act ( FCRA ) and United States Code regarding the fraudulent reporting of an account in my name. The account in question involves a fraudulent activity with an original amount of XXXX and a current balance of XXXX. Despite repeated attempts to rectify this issue, Equifax has continuously reported this fraudulent account on my credit report, severely impacting my financial standing. 

I have provided Equifax with XXXX  XXXX  reports, XXXX XXXX XXXX XXXX XXXX XXXX  reports, and have consistently requested proof of their investigation into the matter. However, instead of conducting a thorough investigation, Equifax has merely provided me with statements from the fraudulent account, demonstrating a blatant disregard for their obligations under the FCRA. 

Furthermore, I want to emphasize that I have initiated legal proceedings against Equifax regarding this matter, and their continued negligence has caused significant harm to me both financially and emotionally. 

Equifax 's actions constitute XXXX  violations, including but not limited to : XXXX. **FCRA Violations** : - Failure to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681i ).

- Reporting inaccurate information on my credit report ( 15 U.S.C. 1681s-2 ). 
- Failure to provide me with written notice of the results of their reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ). 
- Failure to maintain reasonable procedures to ensure the maximum possible accuracy of information ( 15 U.S.C. 1681e ). 

XXXX. **XXXX XXXX XXXX Violations** : - Negligence in handling sensitive financial information, leading to harm ( 18 U.S.C. 1029 ). 
- Failure to comply with directives from the Consumer Financial Protection Bureau ( CFPB ) and the XXXX  regarding consumer complaints and investigations. 

Equifax 's persistent refusal to correct this egregious error despite XXXX  evidence of fraudulent activity is unacceptable and warrants immediate action. I demand that Equifax cease reporting the fraudulent account on my credit report and take the necessary steps to rectify the damage done to my credit score. Additionally, I request that Equifax provide me with a detailed account of their investigation into this matter as well as compensation for the harm caused. 

If Equifax fails to address these concerns promptly, I intend to pursue legal action to seek damages for their willful violations of federal laws and their negligence in handling my personal information. 

Thank you for your attention to this matter. I look forward to a swift resolution to this issue.
Consumer complaint received 2023-05-12
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. I did not authorize these inquirieXXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. I did not authorize these inquiries XXXXXXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX  Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current
Consumer complaint received 2024-04-10
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota is reporting inaccurate information on my credit reports which I have disputed with XXXX, XXXX, and XXXX and have been doing so for months now. They are reporting this account as a charge off after they reported it as a repossession. This negligence on their part has caused me to be denied for federal employment.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX  Account NumberXXXX 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 XXXX 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 2023-03-24
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: Experian Information Solutions Inc. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (NC)

The company IQ DATA INT'L INC . It is reporting a debt in my name with the amount of {$1900.00} that I do not recognize and according to this company it has the exact data but has not sent me the evidence to support that. According to IQ DATA INT'L INC , this debt belongs to an income in the state of Arizona, where I have never lived and I request that this inaccurate account be removed from my credit report that is affecting me.
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. (NY)

Im rejecting your position to decline my identity theft. Who are you to know if Ive been a victim or not? You have zero authority or legal position to make this claim. If you continue to decline my position I will contact my attorney to pursue a legal remedy. Please see my identity theft claim is processed by the letter of the law. Im providing you a legal law enforcement agency report which was filed with a federal agency. Lets get this matter resolved within the 5 days required. XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please delete these accounts immediately.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to get help updating my personal information with XXXX, Transunion, and XXXX I have been trying for XXXX  to get my address, birth date, and correct spelling of my name my only employer with XXXX, Transunion, and XXXX and they will not update my XXXX  information I have mailed in proof of my Residence and my XXXX  XXXX  XXXX  bills, XXXX 's and still no change I started disputing in XXXX.
Consumer complaint received 2024-04-10
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. (AL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-19
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: TrueAccord Corp. (CA)

I have sent 2 physical letters, last letter sent XX/XX/2023 - did not receive a response by mail XX/XX/2023 -Received a response through the CFPB website, I do not agree with the outcome and it does resolve my complaint Went to XXXX  XXXX website to report unauthorized account dispute, website would not let me complete XX/XX/2023 - Called XXXX  XXXX by telephone was told by a representative that this account belongs to a third party called True Accord could not get that much information about the account history as I could was not giving much of my personal information because I was not consenting to give any of my personal information over the phone, I asked for a supervisor and she told me she would send a link of an affidavit I believe is the word she used to my email never received it, gave it 30 days no response. I just came back to the United States and I have not received anything responses since XXXX from XXXX XXXX True Accord has been harassing and threatening me. True Accord is a third party collection agency that bought this debt from XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

3 Credit bureaus XXXX  XXXX TransUnion doesn't do their own investigation. They request information from one another these companies give them. Any information they say it Accurate. Instead of doing their own investigation,,. I can not upload documents to these companies .block from dispute. .center My Credit report is horrible Due to incorrect information XXXX years old can not retrieve credit no due to information. These companies have. I. Have same address many years nothing EVER DELETE Off Credit report everything added. I want my credit report cleared delete old information. Off my report. I have to hire veterans affairs attorneys maybe l can get help.
Consumer complaint received 2023-09-17
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)

XXXX5 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Hi - I have a mortgage loan ( for $ XXXX ) with XXXX XXXX which I was making payment on time via auto pay. Got a " loan transfer '' notice from Flagstar Bank stating that the loan has been transferred to them by XXXX XXXX as of XX/XX/XXXX and I have a statement from them stating the loan is due as of XX/XX/XXXX and will be late after XX/XX/XXXX. However, I did not receive a 'payoff ' or 'loan transfer ' statement from XXXXXXXX XXXX  and according to their customer service, my loan is STILL with them and I have a statement with payment due as of XX/XX/XXXX and will be late after XX/XX/XXXX. I spent 1 hour on a conference call today ( XX/XX/XXXX ) with both the banks and XXXX is saying they did not transfer the loan and Flagstar is saying they have my loan now and I owe payment to both the banks. So right now, this loan is claimed by two banks ( XXXX and Flagstar ) demanding me to make two mortgage payments on 1 loan.

I asked Flagstar for showing me a transfer letter from XXXX but they wont send it to me. Also, I dont have a new mortgage note from Flagstar which shows legally that they have a loan on the house. 

Can you please take a look at the case and help me make payment only once and to the rightful owner of the loan? Also, can you please process the request quickly as I will be late on my payments after XX/XX/XXXX. Best, XXXX.
Consumer complaint received 2023-06-14
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. (NV)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed XXXX XXXXXXXX XXXX XXXX ON MY CREDIT REPORT A WHILE AGO. Disputed several times with all documentation. XXXX lacks communication and shows severe neglect. All they have done is update the account to current each moth instead of blocking and deleting. My next step is litigation Im well aware of the XXXX ongoing law suits going against them for their neglect and malpractices I wont hesitate!!!
Consumer complaint received 2024-04-10
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. (TX)

I have sent multiple letters to the consumer reporting agencies asking to have specific accounts on my consumer file removed as they are unlawful and violate the FCRA and the FDCPA. I am recommending the CFPB take a look into this matter. By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
XXXX, XXXX, and Transunion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused me to be denied of housing for my family causing pain and suffering. Every dispute has came back verified but now i demand information how the information was verified if 15 USC 1681a ( e ) says An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. I am also demanding information of me the consumer giving consent to each credit reporting agency with a wet ink signature stating that i agreed to have these accounts furnished on my consumer report. If you can not provide this document then my consumer report must be updated accurately with fairness.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXXXXXX ) information on my Transunion credit report is clearly incorrect. There are three accounts with the same inaccurate information. Payment history is missing from over 7 years back as well as there's only a 90 day past due and 120 day past due starting in XX/XX/2018. The data is clearly inaccurate. This is a case of not showing first negative history show it stay on the credit report. All three accounts need to be removed.
Consumer complaint received 2024-04-10
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)

Please take a look at the attached letters and ID docs for verification that it is 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 2023-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Received emails that an acct was opened in my name and a trading account as well. Today I received a debit card in the mail. I did not open this account and have no knowledge of this account. I tried calling Bank of America and was on hold for XXXX. Have not been able to reach a live person.
Consumer complaint received 2023-10-03
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. (AL)

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.

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.