davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX I was notified my info was in a XXXX data breach and to check my reports for fraudulant or or inaccuracies on my report. I reached out to all XXXX credit bureaus and some inquireis were removed but many still remained. 

Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit, yet Transuinion, has refused to provide me with access to online free credit reports to freeze my report due to their system consistantly be unable to load and to try again another time. 

The following inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and TRANSUNION have blatantly violated my rights to protect my privacy and left me without any help to rectify this. 

I want these these unauthorized inquirieis removed from my credit report or I will request for monetary compensation for the outright violation of my consumer rights.
Consumer complaint received 2024-04-25
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. (NJ)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, this is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected.XXXX  XXXX XXXX XXXX : {$26.00}
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX 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 2023-12-29
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account was hacked and someone applied for a XXXX credit card. That part is all fixed with XXXXXXXX XXXX. I placed an alert on all 3 reports. XXXX and XXXX removed the inquiry from XX/XX/XXXX. TransUnion is giving me a hard time to do that. 

Hope it doesn't look funny as I have a more recent XXXX now that's real for a XXXX XXXX XXXX. All I'm trying to do is remove the Inquiry dated XX/XX/XXXX from XXXX ( XXXX ).
Consumer complaint received 2023-09-04
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. (PA)

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 2023-11-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: MECHANICS BANK (IL)

XX/XX/23 My wife and I decided to sell our car because we are downsizing. Since the vehicle had extremely low mileage and was worth a lot of money, we decided to sell our car to XXXX. We still had a loan with Mechanics Bank, so the deal was that XXXX would pay off the loan at the time of the sale. We sold our car on XX/XX/XXXX and received our direct deposit on the XXXX. So bluntly, on XX/XX/XXXX we officially did not own the vehicle. At the time of the deal, the representative at XXXX advised us to make our upcoming car payment ( due on the XXXX ) to avoid any delay in paperwork processing. The representative assured us that we would be reimbursed for this payment. So fast forward to XXXX ; when we called Mechanics Bank on XX/XX/XXXX, they informed us that we would receive a reimbursement check by XX/XX/XXXX. So, on XX/XX/XXXX, we called Mechanics Bank and told them we had not received our reimbursement check. The Mechanics Bank representative told us they would have to check with another department and they would call us back. So, on XX/XX/XXXX, we called back, and they told us, after looking at the data, that we were not due any reimbursement. We were in total shock and complained. They told us that the group of supervisors decided that the lien was not officially released until after our payment date of the XXXX. We feel like we were lied to and actually feel like Mechanics Bank stole our money. The money amounts to {$450.00}, which is not significant to most people, but it is the principle of the matter. We simply will never consider doing business with Mechanics Bank again. They stole our money and spit in our faces, telling us tough luck. 

XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20
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. (NY)

This is erroneous information that affects me. 

XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  - XXXX
Consumer complaint received 2023-12-29
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)

The information provided during this dispute process was thought to be accurate, under the assumption that your bureau was diligently reporting the theft of my identity. However, it has come to my attention that you are erroneously reporting the fraudulent accounts on the credit report of the victim, perpetuating the damage caused by the identity theft. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Furthermore, I would like to bring to your attention that other credit bureaus were able to confirm the fraudulent nature of these accounts and successfully completed their investigation by removing the fraudulent entries. The stark contrast in the resolution processes among bureaus raises serious concerns about the credibility and reliability of your bureau 's investigation procedures. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and thorough reevaluation of this dispute, with a focus on conducting a valid verification process in compliance with the Fair Credit Reporting Act ( FCRA ). It is imperative that you correct the inaccuracies on my credit report and provide written confirmation of the resolution at the earliest. The continued refusal to rectify this situation is not only a violation of my rights as a consumer under the FCRA but also an egregious oversight that perpetuates the damage caused by identity theft. I insist on your urgent attention to this matter and expect a resolution that reflects the severity of the situation.
Consumer complaint received 2023-11-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: North Shore Equities, Inc. (NY)

My vehicle was repossessed by XXXXXXXX XXXX XXXX and i was sent a letter saying the car was sold for {$1500.00} with a $ XXXX {$11000.00} deficiency balance.. As of today the car is relisted on their website for saleXXXX XXXX XXXX XXXX XXXX Above is the link to the car i had that was repossessed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Above is my registration info for the car. Is it legal for them to try and receive a deficiency balance when they legally didn't sell it for {$1500.00}.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 us 1681 e b all information reporting to someone's credit report must be accurate or shall be removed immediately Account XXXX XXXX Account open has different dates Acccount last open has different dates
Consumer complaint received 2023-04-27
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. Its so weird that y'all keep claiming this account to be verified and IT IS SO ABUNDANTLY CLEAR that the info is inconsistent. Now rather is XXXX, XXXX XXXX or Transunion that its reporting the wrong information is none of my concern, XXXXhe point is ONE OF YALL WRONG DELETED this mess its very clear it wasn't properly verify. Have currently XXXX late payments that are not accurate. I have been asking for proof of how I was late and how can the XXXX credit bureaus have different late payments listed? For the past year I have asked for this information to be updated with no verification other than the company saying they are Correct, If so why do I have different late payments?. I'm demanding for my profile to be updated to no late payments. 

Please view the information below as proof.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XX/XX/2XXXX
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : Urgent Request for Assistance Regarding Fraudulent Entries on My Credit File Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you with a matter of utmost urgency that requires your intervention and expertise. It has come to my attention that my credit file contains negative entries resulting from fraudulent activities. I am reaching out to seek your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

These fraudulent items have significantly impacted my credit score and financial standing, causing immense stress and hindering my ability to make important life decisions. In particular, I am currently in the process of purchasing a home, and these erroneous entries are proving to be a substantial obstacle in securing a favorable mortgage rate. 

I am aware of the Fair Credit Reporting Act ( FCRA ) and its provisions for addressing inaccuracies and fraudulent information on credit reports. As a consumer, I have the right to dispute these items and request their removal from my credit file. However, despite my efforts, I have encountered difficulties in navigating this process on my own. 

Given the complexity of the situation and the urgency of my need, I kindly request your involvement in escalating this matter to the relevant credit reporting agencies. Your expertise and intervention can significantly expedite the process and ensure that my credit report is accurate and fair. 

I am also seeking your guidance on involving the Consumer Financial Protection Bureau ( CFPB ) in addressing this issue. I believe that their oversight and involvement will provide an added layer of assurance that my case is thoroughly reviewed and resolved. 

I understand that your office has a commendable track record of advocating for consumers ' rights and rectifying credit reporting discrepancies. Your assistance in this matter would not only alleviate the immediate challenges I am facing but also contribute to upholding the integrity of the credit reporting system for all consumers. 

I have attached relevant documentation ( police report and identity theft affidavit ) that supports my claim of fraudulent activities affecting my credit report. I am more than willing to provide any additional information or undertake any necessary steps to facilitate this process. Your prompt attention to this matter would be deeply appreciated. 

Thank you for your time and consideration. I eagerly await your response and guidance on the next steps to rectify this distressing situation. Please feel free to contact me at your earliest convenience.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My lost debit card was found by someone and they spent {$440.00}. Reported to Bank XXXX immediately XXXX XXXX. Within a week gave money back but then decided to deny two different claims I made, including letter I faxed to claims resolutions. Then took money back out of my account on XXXX XXXX. The letter said I gave permission for someone to use my card. I guess they decided I lied. I've been a customer for years and never made a claim. 
I'm XXXX XXXX XXXX and have no desire to lie about XXXX, which is alot of money to me. 
No one ever called me regarding this matter, just two denial letters. 
Bank of America just really didn't care, my problem not theirs. Maybe if I had big bucks they'd care.
Consumer complaint received 2023-11-03
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)

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. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate. The above inaccuracy is stopping me from being able to acquire a loan to buy a home.
Consumer complaint received 2023-12-29
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX