davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
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. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ASSOCIATED BANC-CORP (IL)

Hi there! 

Timeline : XX/XX/XXXX : A cheque for {$1200.00} was deposited into an Associated Bank account ( number XXXX ). 

XX/XX/XXXX : There was an issue with the cheque, and the account was closed. The amount for the cheque was withdrawn from my account via security case XXXX. Please see image 1, rejected cheque. 

In the meantime, representatives for Associated Bank assured me that the money would be returned to the original account. After verifying with the cheque 's maker, it was not returned. 

XX/XX/XXXX : Initial outreach email to resolve the issue. Please see exhibit 2, Associated Bank Email. 

XX/XX/XXXX : XXXX, the representative from Associated Bank, was initially helpful, and noted that they had reached out to XXXXXXXX XXXX XXXX  to return the cheque. 

XX/XX/XXXX/ XX/XX/XXXX : Multiple attempts to reach XXXX failed, as the maker noted the cheque was not returned. 

XX/XX/XXXX : XXXX XXXXXXXX XXXX noted that they did not receive any funds from Associated Bank based on the rejected cheque. Please see exhibit 3, XXXX XXXXXXXX XXXX Response.
Consumer complaint received 2023-11-23
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Dear CFPB REpresentative, I am writing to express my frustration with the recent calls I have received from your representatives regarding my mortgage payment. As a self-employed individual, I notified your company three years ago to stop calling me if my payment is not posted by the XXXX of the month. I have been able to consistently make my payments on time and have not had any issues until this month. 

Despite my previous request, I received three calls back-to-back, with the first representative not understanding that my payment is scheduled to be made at the end of the month. I explained that this has been my payment schedule for the past three and a half years and that my account has not been late. I also asked the representative to stop calling me.

In the past, I have received a late notice for the following month with the current month included as a way of reminding me. Additionally, I received an email with the same information. Just three weeks ago, I called your servicing department to ask a question about my billing, and the representative and I spoke about my payment schedule. She confirmed that my payment history reflects an end-of-month payment, not 30 days late. 

Despite my repeated requests for your representatives to stop calling me, they have continued to do so, even though my payment was scheduled to be made today. The latest call I received was from a representative with a western accent who seemed to find humor in my request not to be called. I felt belittled when she asked if I did not want you to call me, and I had to repeat myself, saying, " Do not call me. '' I ask that Select Portfolio respect my previous request to stop calling me if my payment is not posted by the XXXX of the month. I hope this complaint will bring about the necessary changes to ensure that I do not receive any more unwarranted calls from your representatives. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX, XXXX [ XXXX ]
Consumer complaint received 2023-11-23
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. (LA)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There was a freeze on my account, and I did not authorize, and then the freeze was took off my account without me, knowing or my knowledge and the report that I reported when I talk to some of the companies, some of the companies does not do hard inquiries, and they told me to report it fraud when it was not fraudand is still out and will not be removed and when they took the freeze off my report, but without me, knowing all of these business was doing hard inquiries on my report and they still havent fixed it
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My credit reports generated by Transunion, XXXX and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened. 4. Last payment date and 5. Closing date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name TransUnion XXXX XXXX Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closing Date XXXX - - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Consumer complaint received 2024-01-17
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. (NC)

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 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Experian Credit sent me an email stating that my dispute results were finished, and I could view them. When I opened the results there was not one word in the entire thing that stated whether my disputed was honored or rejected. It referred me to my credit file to determine for myself. 

Why can't a credit bureau just be plain and to the point and most of all receptive to the truth? At this point, all I know from what they sent out is that there is not collection account on my credit file. I will take that as a YES that they honored my dispute. However, they did not restore my credit score I had before the false collection was filed.

I had a credit score of XXXX before this started. I want it restored. If my credit score is not restored, then I have no recourse except litigation. 

Actually, I am weary of having to deal with this type of treatment from all three credit unions and have come to the realization that they will only treat folks like me fair is they are forced to do so.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are discrepancies that I have found on my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX ( XXXX ) The discrepancies are listed below : 1 ) Number of months 2 ) High credit limit amount 3 ) Date last reported 4 ) Date last active 5 ) Date of last payment Creditor sent a letter of validation on XX/XX/2023 and failed to validate this debt. 
Under 15 U.C. Code 1681i ( 5 ) cause for removal of inaccurate unverified credit information.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am reaching out to request the immediate deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not included in my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that you take the necessary steps to delete and eliminate these accounts and information from my consumer report without delay, as their inclusion is in violation of multiple laws. Kindly remove these accounts and information promptly.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, 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. (KY)

Unauthorized inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ARVEST BANK GROUP, INC. (OK)

I used an Arvest Bank ATM. I withdrew {$40.00} and agreed to a {$4.00} ATM fee. My receipt showed this {$44.00} amount too. An undisclosed fee named as XXXX XXXX Oklahoma Fee XXXX that I didn't authorize and wasn't made aware existed was also charged for the ATM debit by Arvest Bank XXXX The " XXXX, Oklahoma Fee '' amount was {$2.00} I've been charged fees twice.I didn't authorize the second fee and didn't agree to it. This fee was not disclosed by the Arvest banking institution on the receipt and shouldn't have been added arbitrarily.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I paid off XXXX loan that had a significant amount of debt at the end of last 2023 in XXXX. My credit score did not increase in fact in went down. it happened again when i paid off XXXX loan i had a month ago. my credit score went down XXXX points. I am confused. I work hard to pay off debts and pay on time and my score decreases. This is not how it supposed to be. I NEED AN EXPLANATION OF WHY THIS IS HAPPENING TO ME. Ive been paying off debt a long time and my score ALWAYS INCREASED NOT DECREASE. PLEASE HELP
Consumer complaint received 2022-12-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XX/XX/2022. I have accounts on my report that I don't recognize but they still havent removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.
Consumer complaint received 2023-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report. The information in question pertains to late payments that are inaccurately reported on my credit history. The inaccurate late payment information on my credit report is adversely affecting my credit score and overall creditworthiness. I believe that this information is in error and does not accurately reflect my credit history. I am seeking your prompt attention to rectify this matter. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I kindly request that your bureau conducts a thorough investigation into the accuracy of the reported late payments and takes immediate action to rectify the inaccuracies. Please update my credit report accordingly to reflect the correct and accurate payment history.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct 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
Consumer complaint received 2023-04-22
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: Palm Beach Credit Adjustors, Inc (FL)

In accordance with the Fair Credit Report Act XXXX, XXXX, FOCUS FINANCIAL SERVICES , has violated my rights. 
1

5 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 an account without my
written instructions. 
This account reported twice on XXXX, and based on my knowledge I don't owe this debt collector.
Consumer complaint received 2023-11-23
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. (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.

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 2024-03-19
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: Experian Information Solutions Inc. (FL)

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounw below Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX 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 They must be eliminate due to their inaccuracy
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (OK)

My credit report is causing personal issues for me and contains inaccurate data, as well as incorrect drops in score ( XXXX ). 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX known as a " XXXX '' loan ), since XXXX. I have never missed a payment, nor have I ever been XX/XX/XXXX days late. 

In XX/XX/XXXX, XXXX XXXX XXXX XXXXansferred their " XXXX '' line of personal loans, to a company called " SST '' ( Systems & Services Technologies , Inc. ). Recently, reported on both my XXXX XXXX and XXXX reports, I've had score drops of XXXX points. This was due to the " SST '' account being listed as a " new '' account. This is technically just a " transferred account ''. 

The Primary issue is on both my XXXX XXXX, and XXXX reports, the payment history is missing, which will eventually result in late payments on my credit report. This would be 100 % not accurate, as I have never missed, been late, or skipped any payment with XXXX XXXX XXXX or SST ( Systems & Services Technologies , Inc. ).