davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to request the immediate correction of inaccurate information on my credit report. Specifically, I am referring to the payment history for my XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - account number XXXX, which inaccurately reflects a late payment for XX/XX/2021. 

As per the provisions of 15 USC 1681s-2 ( a ) ( 2 ) within the Fair Credit Reporting Act ( FCRA ), creditors are mandated to report accurate and complete information to credit reporting agencies. Additionally, in accordance with 15 USC 1666b, I am requesting that the payment history for XX/XX/2021 be updated to accurately reflect a positive and current payment status. 

To address this matter, I kindly request that you provide me with documented proof of the alleged late payment in XX/XX/2021. It is imperative that I have a clear understanding of the basis for this reporting discrepancy. 

I urge you to investigate this matter promptly and make the necessary updates to my credit report. Your assistance in ensuring the accuracy of my credit information is greatly appreciated. 

Please provide written confirmation once the correction has been made and the documentation of the late payment has been furnished. 

Thank you for your attention to this matter and your prompt resolution of the issue.
Consumer complaint received 2023-08-20
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. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I try to call XXXX they tell me the account is old and they can not find information on this account but they are still reporting it to all three major credit departments. 

I would like these two account remove from my credit report.
Consumer complaint received 2023-08-20
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. (IL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OK)

report number XXXX for dates XX/XX/XXXX  & XX/XX/XXXX  requested proof of being late on this account. 
response was " we have validated and verified with the original creditor that the late payment in question is accurate ''
Consumer complaint received 2021-02-04
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. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2019, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (TX)

XXXXXXXX XXXX/NCAC reported on behalf of XXXX a debt of XXXX which was paid in full and still showing up on my credit report. It was disputed with XXXX and has been removed from my wifes credit report but not mine. This debt was incurred due to co-signing for a rental property for my daughter XXXX with XXXX. The house was left cleaner than it was originally, the security deposit was kept by XXXX and they charged us XXXX which was paid in full. I have a security clearance with my employer and need this removed immediately. 

Thank you for your time and consideration.
Consumer complaint received 2024-04-02
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. (FL)

ChatGPT [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau Attention : [ Name of Representative, if known ] [ Street Address ] [ City, State, Zip Code ] Subject : Dispute Regarding Fraudulent Inquiries on My Credit Report Dear [ Name of CFPB Representative ], I am writing to bring to your attention a concerning issue regarding my credit report, which involves TransUnion reporting fraudulent inquiries that need to be removed promptly. 

I recently obtained a copy of my credit report from TransUnion and was alarmed to discover several inquiries that I did not authorize or recognize. Upon further investigation, it became evident that these inquiries are the result of fraudulent activity, as I have not initiated any new credit applications or inquiries during the period in question. 

As a responsible consumer, I take great care to monitor my credit report regularly and promptly address any discrepancies or fraudulent activities. However, the presence of these unauthorized inquiries on my credit report not only undermines my financial integrity but also poses a significant risk to my creditworthiness and overall financial well-being. 

I have taken the necessary steps to dispute these fraudulent inquiries directly with TransUnion, providing all relevant documentation and evidence supporting my claim. Despite my efforts, TransUnion has failed to remove these inquiries from my credit report, which has prompted me to escalate this matter to your attention for further assistance and intervention. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and facilitate the prompt removal of the fraudulent inquiries from my credit report. Additionally, I urge you to hold TransUnion accountable for their failure to address this issue in a timely and appropriate manner, as it directly impacts my consumer rights and financial standing. 

Enclosed with this letter are copies of my credit report highlighting the fraudulent inquiries in question, as well as any supporting documentation relevant to this dispute. I trust that your office will take swift action to resolve this matter and ensure that my credit report accurately reflects my credit history and financial activity. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this dispute. 


Fraudulent Inquiries XXXXXXXX XXXX XXXX Inquiry date - XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX XXXX XXXX Inquiry date - XX/XX/XXXX and XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX  XXXX XXXX Inquiry date - XX/XX/XXXX and XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately
Consumer complaint received 2023-08-20
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. (GA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid or paying as agreed Status updated XX/XX/XXXX Past due amount 15 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2023-08-20
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PS!

THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2023-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CITIBANK, N.A. (NM)

I have had my Home Depot credit card account since 2020. Opened a online credit report service to check my credit score and notice that the credit card account is not being reported into the credit report bureaus. I talked the store about it last year and they said its being reported, but still doesnt appear in my credit reports.
Consumer complaint received 2024-04-02
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. (AZ)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-08-20
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. (GA)

I am disputing XXXX XXXX loans on my credit report by XXXX. I submitted documents showing that these loans are dismissed due to a lawsuit and Needs to be removed from my credit report.
Consumer complaint received 2021-07-11
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. (GA)

I have already disputed this with XXXX and they have removed the collections account from my XXXX  account. Please see attached and remove this from my Transunion account.
Consumer complaint received 2023-08-20
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. (TN)

On XX/XX/XXXX, I was reviewing my consumer report and noticed that bankruptcies were reported on my consumer reports. Each of the consumer reporting agencies will claim they have a right to report this information based on the fact they received the information from a XXXX party and not the original source of the information. Under the privacy act of XXXX, the Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The bankruptcy courts don't report any of this information they are the original furnishers of this information in which it is to be verified with. This is not being done and fraud is being committed every time they steal this information and report it.
Consumer complaint received 2023-08-20
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)

I filed identity theft with the ftc and made a police report with following accounts. 
XXXX XXXX  Acct XXXX XXXX XXXX XXXXAcct XXXX XXXX XXXX XXXX XXXX XXXX I submitted both reports to all 3 credit bureaus and XXXX removed everything however transunion didn't remove the 2 XXXX XXXX accounts and XXXX didn't remove anything which is a violation of my consumer rights and the fcra.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

The payment status for XXXX XXXX XXXX last 4 XXXX XXXX is listed as current account/ was delinquent 60 days past due date. 

In accordance with the fair credit Reporting act XXXX XXXX XXXX ha

s violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi % purpose.
Consumer complaint received 2023-08-14
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. (GA)

I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

i XXXX XXXX noticed fraudulent loans and accounts were open in my name i was a victim of fraud when i was younger I did not authorize it.. 
FTC Report Number : XXXX FTC Report Number : XXXX
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (SC)

We initiated an application to refinance our mortgage with NewRez, the holder of our current mortgage, on XXXX XX/XX/2020. Nearly six months later our application has not been approved. We receive repeated requests to submit information we have submitted multiple times before and that NewRez has acknowledged receiving. So our application drags on month after month, and we pay interest that we would not have had to pay if our application had been approved in a timely manner. Our loan officer s have frequently not responded to phone calls or emails.
Consumer complaint received 2023-06-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington Bank Calls My Phone XXXX times or more daily. I repeatedly tell them this is not the phone number for XXXX despite that they call again. XXXX may have used this number for a reference I do not know but they refuse to delete my phone number. They refuse to stop harassing my phone.
Consumer complaint received 2023-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation (CA)

The mortgage loan number XXXX was obtained in XX/XX/XXXX. I made my first payment XX/XX/XXXX. I have paid monthly until the payment I set up for XX/XX/XXXX would not be accepted at the previous address in XXXX, XXXX. The letter telling me not to send any checks to XXXX arrived on XX/XX/XXXX with a new loan number XXXX. I had to put a stop payment on that check and issued another payment to the address I was given in XXXX, NJ. I sent a payment to the new address on XX/XX/XXXX. On XX/XX/XXXX, I received notice from my bank 's Bill Pay that the payment had been rejected. After calling both the old loan processing center and the new processing center i was told the new center would not accept a payment until XX/XX/XXXX. That makes no sense and just allows them to collect more interest and more late penalties. After insisting that I needed a place to send my payment I was given a po box in LA and told to mail a hand written check with the new loan number on it to the po box . I will put a check in the mail. I have no payment coupon and it will not arrive on time. The mortgage company can then collect more interest on the outstanding balance which I am trying to reduce to 0 as soon as possible. This seems like a scam. I have tried my best and spent over 2 hours on the phone with them. It seems like they didn't have the transition in place before sending the letter to change my loan number and payment address.
Consumer complaint received 2023-10-02
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. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA you are expected to delete this inquiries.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I requested my XXXX  report one month ago. It has never come. Please send it. 

I just got a letter from XXXX XXXX stating that due to a credit based insurance score used, I was ineligible for coverage. 

Specifically, it said it was due to the following reasons : -Number of open accounts reported as " paid as agreed '' ALL OUR ACCOUNTS ARE PAID AS AGREED. 

-Average amount of time accounts have been established. 
ACCOUNTS HAVE BEEN ESTABLISHED OVER 20 YEARS. 

-No auto accounts reported in last 5 years. 
AUTO LOAN AS CO-SIGNER WITH DAUGHTER IN LAST THREE YEARS.

-Number of Mortgage Accounts Opened in the Past 12 months.

NO MORTGAGES FOR OVER TWO AND A HALF YEARS. OUR MORTGAGE SERVICER HAS BEEN CHANGED.