davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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)

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. 

The letters are stated with items and issues.

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 2022-11-28
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX Has violated my rights. 
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 an account without my written instructions.
Consumer complaint received 2023-06-29
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. (CA)

XXXX XXXX, XXXX ACCOUNT IS A FRAUDULENT ACCOUNT, THIS ACCOUNT WAS NEVER OPENED BY ME, NEVER AUTHORIZED BY ME TO BE OPENED. IN FACT I DON'T HAVE ANY CREDIT CARDS, I DON'T UTILIZE MY CREDIT.
Consumer complaint received 2021-01-04
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. (TX)

Equifax is reporting inaccurate derogatory information on my credit report. They have not provided applications or any documentation with my signature as verifiable proof. I have requested to have this account deleted without any success. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX Date Reported : XX/XX/2014
Consumer complaint received 2022-11-28
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. (IL)

have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. XXXX is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deleted.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I will upload a letter from XXXX that verifies that the bankrupcy should be deleted as they are a third-party and the courts don't provide any information and XXXX has verified the information is not valid.
Consumer complaint received 2023-03-02
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. (AL)

My personal information can't be verified denied me annual report update Experian credit report they refuse to up my credit score instead keep getting denied credit cards an loan 's due unfair credit report agency illegally fraudulent activity
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I am writing to file a formal complaint against Citibank regarding their failure to honor a debt settlement agreement reached on XX/XX/year>. The details of the agreement, subsequent refusal to accept payment, and lack of transparency regarding the status of limitations are outlined below. 

On XX/XX/year>, I contacted Citibank to address a past due account with a balance of {$7300.00}. During this conversation, a Citibank representative informed me that they were willing to settle the balance for {$2500.00}. They explicitly stated that this offer was valid until the end of the month, implying that I had until XX/XX/year>, to accept the offer and make payment arrangements. 

With the understanding that I had until the end of XXXX to finalize the agreement, I called Citibank on XX/XX/year>, to arrange payment. However, to my surprise, I was informed that on XX/XX/year>, the account had " reached a status of limitations, '' and Citibank was no longer collecting the debt. Despite my attempts to clarify this sudden change in status and request an explanation in writing, Citibank has refused to provide any documentation or further details regarding the " status of limitations. '' This abrupt refusal to accept payment and lack of transparency are unacceptable. Citibank 's actions constitute a breach of our agreement and have left me in a state of financial uncertainty. I expect Citibank to either honor the original settlement offer or remove the debt from my credit reports promptly. By preventing me from clearing the balance, Citibank is unfairly impacting my creditworthiness and financial well-being. 

Therefore, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Citibank fulfills its obligations. I also request that Citibank provide a written explanation of the " status of limitations '' and its implications for my account.
Consumer complaint received 2023-06-29
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)

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

Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXXXXXX XXXX Account number : XXXXXXXX XXXX  Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States :
no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2022-11-28
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. (MN)

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

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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 2022-12-27
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  Inquired on XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX - XXXX DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX  Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX Inquired on XX/XX/XXXX - TRIED XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING
Consumer complaint received 2024-04-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: M&T BANK CORPORATION (CA)

The company that holds my mortgage now charges a monthly principal payment of {$640.00} ; and a monthly interest payment of {$640.00}. My interest rate is 2.750 %. How can I be paying more for interest than principal. This wasnt happening with my first mortgage lender, so I know something is wrong here. I need help and dont know what to do. 
XXXX became my mortgage lender through an XXXX ; they sold the loan to the current holder M & T Bank.
Consumer complaint received 2023-06-29
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. (MN)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (UT)

Finally received a call from JP Morgan Chase to let me know that they received the check, funny they had not researched that prior to calling me and then researched while I was on the call prior to me saying anything with regard to the question. 

Additionally the Chase representative maintains and states for the XXXX time that XXXX will have to research my questions and get back to me with the answers yet they've sent me a check? $ XXXX in an envelope that did not require a signature???? 

No wonder CHASE has gained the reputation that it has!
Consumer complaint received 2023-06-29
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. (NY)

6 inquiries on my credit report that I did not authorized need to be deleted and im resubmitting this because i forgot to attached my FTC
Consumer complaint received 2023-07-11
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: WELLS FARGO & COMPANY (CA)

WF CRD SVC XXXX closed account that does not pertain to me. Identity theft. Been calling for 2 years straight with no resolution. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX closed account that does not pertain to me. Identity theft. Have called multiple times since XX/XX/2023 with no resolution. 

XXXX XXXX XXXX XXXXXXXX open account that does not pertain to me. Identity theft. Called XX/XX/2023 and explain I will report as fraud. No resolution.
Consumer complaint received 2023-06-29
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. (NC)

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

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

here is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2023-06-29
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. (FL)

I have recently obtained my credit report and have realized that I have these inquiries listed below that I did not give authorization to. I need them to be removed immediately. 

Addresses to be removed : XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-18
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. 
Company Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

They are reporting wrong information seeing my credit score is way lower when its actually higher not reporting the right balances and getting those companies the wrong information about my credit report and not correcting items on my credit report that I am in good standings instead showing negative Ive been in contact with XXXX XXXX and XXXX and experience to fix these issues, but they have still not
Consumer complaint received 2023-06-29
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)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-06-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

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 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 2023-06-29
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. (NV)

On XX/XX/2023, I mailed your company some documents stating that there was information on my report that resulted from identity theft, and that I did not recognize, The USPS tracking number for my original mailing is XXXX Included in the mailing, was a printout of the FCRA subsection 605b stating that any information identified by the consumer as identity theft shall be blocked no more than 4 business days after receipt of such identifying documents, from the consumer report. 

The documents were confirmed to be received on XX/XX/XXXX by the XXXX. 

I called your company on XX/XX/XXXX at XXXX XXXX  PST and confirmed with 3 representatives that the documents have been received by your company. 

After multiple escalations of the call, I was informed that the documents received did not meet the internal criteria for Transunion to block or remove the information listed. I re-iterated to all representatives that the request was not contingent upon what Transunion -- a private company -- deemed to be acceptable. The federal laws put in place to protect consumers from this type of harmful and injurious reporting take precedent over Transunion 's internal criteria for adherence of the law. 

I was informed that Transunion would not be blocking the information identified as identity theft and they would only conduct and investigation with the creditors and allow 30 days for them to respond. 

This is a clear and direct violation of my rights as outlined by the FCRA. 

A copy of all documents furnished upon your company are included in this complaint as well as proof of delivery of said documents upon your reporting agency.