davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
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. (OK)

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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the unresolved issues with my credit report. On XX/XX/year>, I submitted a formal letter addressing numerous inaccuracies and unknown inquiries on my credit report. Despite the passage of over 52 days, I have yet to receive any acknowledgment or resolution from the credit bureaus. 

This prolonged delay in addressing my concerns has not only left me feeling disregarded and exploited but has also significantly impacted my financial well-being. I have discovered several collections on my credit report that are reporting inaccurately, leading to denials for essential services and unjustified increases in interest rates. 

The consequences of these inaccuracies extend far beyond financial inconvenience ; they have directly hindered my ability to secure funding for critical milestones such as purchasing a home and advancing my business endeavors. As the primary provider for my family, these obstacles have placed an undue burden on our financial stability and future prospects. 

It is imperative to emphasize that the inaccuracies on my credit report are not of my making. I have diligently disputed these accounts and inquiries, yet I have not received any sufficient evidence for their verification. According to Section 611 ( a ) of the Fair Credit Reporting Act, the failure to investigate these items within 30 days warrants their immediate removal from my credit report. Given the extended period of over 52 days without any resolution, I demand the prompt deletion of these erroneous accounts to restore the accuracy of my credit profile. 

The failure of the credit bureaus to maintain 100 % accuracy on consumer reports is not only unjust but also detrimental to the overall economy. This negligence undermines consumer confidence and impedes economic progress. As a responsible consumer, I expect and deserve timely and accurate reporting in accordance with federal regulations. 

Therefore, I insist that the credit bureaus take immediate action to rectify these issues and remove the inaccurate accounts from my credit report. Failure to comply with this demand will leave me with no choice but to pursue legal recourse to alleviate the undue stress and hardship caused by their negligence. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to ensure the integrity of the credit reporting system and uphold consumer rights. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-03
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)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-01-03
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)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

To anyone who can assist me at the CFPB, I hope this message finds you well. I'm writing to share my concerns about the unresolved issues with my credit report. Back on XX/XX/year>, I took the step of sending a formal letter addressing several inaccuracies and unknown inquiries that have been haunting my credit profile. Sadly, despite waiting patiently for over 52 days, I haven't received any acknowledgment or resolution from the credit bureaus. 

This prolonged silence has left me feeling frustrated and a bit lost. These inaccuracies aren't just numbers on a report ; they're affecting my everyday life. I've noticed several collections on my credit report reporting inaccurately, leading to denials for essential services and unfair increases in interest rates. The impact isn't just financial ; it's taking a toll on my dreams of buying a home and growing my business, responsibilities I hold dear as the primary provider for my family. 

I've done everything I can to address these issues, diligently disputing accounts and inquiries. However, despite my efforts, I haven't received any substantial evidence for their verification. It's disheartening to see Section 611 ( a ) of the Fair Credit Reporting Act overlooked, which mandates the removal of items not investigated within 30 days. Given that it's been over 52 days without any resolution, I feel compelled to demand the immediate deletion of these erroneous accounts to restore the accuracy of my credit profile. 

Beyond my personal situation, I'm deeply concerned about the broader implications of these inaccuracies. Maintaining accurate consumer reports isn't just about me ; it's crucial for the health of our economy. This negligence erodes consumer confidence and slows down economic progress. As a responsible consumer, I believe in the importance of timely and accurate reporting, and I trust that you share this belief. 

I'm reaching out with hope and a firm belief in your commitment to consumer rights. I urge the credit bureaus to take swift action to rectify these issues and remove the inaccurate accounts from my credit report. Failing to do so will leave me with no choice but to explore legal options to address the stress and hardship caused by their negligence. 

Thank you for taking the time to listen to my concerns. I'm optimistic about a swift and satisfactory resolution that upholds the integrity of the credit reporting system and protects consumer rights. 

Warm regards,
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that these inquiries were unauthorized. The credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
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. (WI)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proof of my Identity.
Consumer complaint received 2024-04-27
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: EQUIFAX, INC. (SC)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00}
Consumer complaint received 2024-01-03
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-18
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. (FL)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
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. (CA)

there are multiple inquiries on my credit report that I did not authorize at all multiple disputes have been made to Exerian and they have failed to provide me with proof of the investigation that the companies had permission to make those inquiries to my credit report Experian and the companies have me going back-and-forth here are proof about the letters I had sent to Experian XXXX also sent another letter to Experian today XX/XX/2023
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was doing an investigation of my credit and what I found really scared me. It has been effecting my health ever since, because I do rely on my credit to assist in my life, and my rates are now through the roof because of the many errors in the reporting of my account and inquiries. This is having a very bad impact on my physical and mental health, because of this I am worried about getting food and even my medications.
Consumer complaint received 2017-04-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar Mortgage is attempting to collect a debt without any legal authority. According to Nationstar Mortgage, I owe {$290000.00} and I 'm 77 months past due. I have not made any payments to Nationstar Mortgage since the alleged transfer of servicing of the loan in  XXXX   XXXX . Nationstar contends they are servicing the debt for the   XXXX   XXXX   XXXX   XXXX    XXXX .     The   XXXX   XXXX   XXXX   XXXX    XXXX  was the purchaser of the property in a foreclosure sale in  XXXX   XXXX  and is the legal title holder of the property.  XXXX   XXXX   XXXX ,  XXXX  's predecessor claims I owe   XXXX     XXXX    XXXX   XXXX    XXXX  rent as a result of the foreclosure sale.   XXXX    XXXX   XXXX  and Nationstar Mortgage is playing a cat and mouse game to harass and defraud me. It 's impossible to be responsible for rent and the debt that was foreclosed.   XXXX    XXXX   XXXX  and Nationstar Mortgage ca n't get their lies in sync. I 'm currently litigating with   XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX   XXXX   XXXX  in a pending lawsuit since  XXXX   XXXX  for wrongful post-foreclosure eviction, cancel trustee 's deed, recover title to my property, and numerous fraud claims. I 've attached an excerpt from   XXXX   XXXX   XXXX   XXXX    XXXX  's answer asking for rent in  XXXX   XXXX  during the pendency of the lawsuit. I 'm attaching documents to substantiate my claims. I 've filed over  XXXX  CFPB complaints, review my history. The truth does n't change.   XXXX    XXXX   XXXX  and Nationstar in their capacities as   XXXX   XXXX   XXXX   XXXX    XXXX  's servicers ca n't get their stories straight. Of course, it 's too much for the big law firms representing these large financial institutions to admit they 're wrong. They would rather conspire with each to commit fraud to right their wrong.
Consumer complaint received 2023-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I called on XX/XX/XXXX and requested help on filing a complaint because about the late payments from XXXX to XX/XX/XXXX that was being reported needed help on a hardship forgiveness because during Covid I had lost my job and wasnt able to pay my debt but am caught up now. They said they would open an investigation to it to no avail. I really need help with getting these over 30 days late reports removed as it really wasnt my fault can someone help me
Consumer complaint received 2023-01-04
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. (NY)

I am a victim. of identity theft, please remove the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-03
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. (SC)

After being released from XXXX in XXXX I obtained a copy of my credit reported and noticed someone has been accessing accounts in my name. My personal information was compromised including my driver 's license and social security card during my incarceration due to my prior living arrangement. I contacted XXXX, XXXX, and Transunion via phone and mail in XX/XX/XXXX and XX/XX/XXXX in attempt to get this issue resolved. I have not received a response. These accounts and credit inquiries are impacting my credit and preventing me from getting a home. Furnishing this information to my account is in violation of 15 USC 1681B and 15 USC 1681 C-2, not only have I not given any permission or any written consent to furnish this information. Furthermore, no accounts or inquiries should be furnished to my credit profile due to identity theft. These accounts that I am referencing are, XXXX XXXX XXXX XXXX XXXX. I have no affiliation or knowledge of these accounts. I also noticed inquiries that I have not authorized such as XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX.
Consumer complaint received 2024-01-03
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)

I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet
Consumer complaint received 2024-01-03
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. (OK)

THE ITEMS LISTED ON MY REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ARE NOT MINE AND IS CAUSING DIFFICULTY WITH MY ABIITY TO PURCHASE A HOME. I HAVE MADE NUMEROUS ATTEMPTS TO HAVE THIS CORRECTED AND AM HAVING NO LUCK THROUGH THE CREDIT CHANNELS. I HAVE PROVIDED ALL INFORMATION REQUESTED FROM THEM AND DONE ALL STEPS THEY REQUESTED FROM ME AS WELL AS PUT A FRAUD ALERT ON MY ACCOUNT TO BE NOTIFIED WHEN ANY CREDITOR ATTEMPTS TO RUN MY CREDIT OR OPEN A NEW ACCOUNT AND THAT HAS NOT HAPPENED. PLEASE HELP ME, I HAVE EXHAUSTED EVERY OPTION POSSIBLE. THIS IS RUINING MY LIFE!
Consumer complaint received 2024-04-27
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. (NV)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-27
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. (NJ)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible thank you
Consumer complaint received 2024-01-03
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-27
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. (CT)

RECENTLY I CHECKED MY CREDIT REPORT AND I NOTICED SOME FRAUDULENT ACCOUNTS ON MY REPORT, CAN YOU PLEASE REMOVE THOSE FRAUSULENT ACCOUNTS FROM MY CREDIT REPORT, BECAUSE THEY ARE AFFECTING AND HARMING MY ABILITY TO OBTAIN CREDIT RIGHT NOW.