davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
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)

XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX Department XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Intent to Sue for Violation of the Fair Credit Reporting Act ( FCRA ) Dear TransUnion, I am writing to formally notify you of your violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Specifically, your failure to take appropriate action after receiving my identity theft affidavit constitutes noncompliance with your statutory obligations. 

I submitted an identity theft affidavit regarding an account from XXXX XXXX XXXX, which I did not open or authorize. I also requested that the account be removed from my credit report in accordance with the FCRA, which provides explicit protections for victims of identity theft. Despite this, more than XXXX ( XXXX ) days have passed since you received my request, and the inaccurate information remains on my credit report. 

The address associated with this fraudulent account is not mine and has never been linked to me. My correct address is XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, which is also reflected in my correspondence.

Relevant Legal Precedents and Obligations Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the reporting of any information identified as resulting from identity theft within four ( 4 ) business days of receiving : Proof of identity of the consumer.

A copy of the police report or identity theft affidavit.

A statement from the consumer identifying the fraudulent information.

Your failure to comply violates the FCRA and exposes you to legal liability. Courts have consistently held credit reporting agencies accountable for delays or failures in correcting reports based on identity theft : Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) emphasized the duty of credit reporting agencies to maintain accurate consumer reports and respond promptly to disputes.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) established that agencies have an obligation to conduct reasonable investigations into consumer disputes.

Demands To resolve this matter without legal action, I demand that you : Immediately remove the fraudulent Citi Cards CBNA account from my credit report.

Confirm the removal in writing within 10 days of receipt of this letter.

Provide me with a copy of my corrected credit report.

Failure to take corrective action will leave me no choice but to pursue legal remedies, including filing a lawsuit for statutory and punitive damages as allowed under the FCRA.

I expect your prompt attention to this matter. Please respond to me in writing at the address provided above. 

Sincerely XXXX XXXX
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (VA)

In accordance with The Fair Credit Reporting Act this creditor has violated my rights. 
Under 15 USC 1681 section 602 section 4 - States I have the right to privacy.

15 USC 1681 section 604a section 2 - Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (MI)

Consumer Adjustment Company has a collection on my credit report for {$160.00}. I have not taken out any debt in this amount and I am not allowed to get loans from XXXX XXXX so I called them and they said they dont have this record under my matching information and it is not even the right birthday. Wrong XXXX XXXX
Consumer complaint received 2024-11-14
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. (IL)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a fraudulent auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, with an account number ending in XXXX totaling at {$13000.00} ; a fraudulent credit card account opened at XXXX XXXX in XXXX, XXXX, with an account number ending in XXXX totaling at {$590.00} ; and fraudulent XXXX services obtained from XXXX XXXX XXXX XXXX in XXXX, XXXX, totaling {$700.00}. 

These fraudulent accounts have resulted in unauthorized hard inquiries and collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

You are also in violation of 15 U.S.C. 6802. Obligations with respect to disclosures of personal information.
Consumer complaint received 2023-08-09
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. (AL)

XXXX XXXX XXXX XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified. 

XXXX  XX/XX/XXXX should be removed from my credit report, it is inaccurate and was closed and can not be verified.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Between XXXX someone took {$6200.00} from my account at different ATM/ and in Branch. Bank says they used my debit card and PIN number Which I have in my possession so they do not consider a fraud. I asked to see the camera footage but they denied it. 
XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX x 4 times XX/XX/2023 - XXXX XX/XX/2023 - XXXX XX/XX/2023 - XXXX
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FISERV INC. (CA)

On XX/XX/year>XXXX  on my XXXX Money Network debit card there was a transfer of {$2800.00} to a unknown personal bank account of which I DID NOT AUTHORIZE! I then called Money Network to file a dispute and fraud claim on it. They also closed my account and said they would send me a check when resolved. I provided as much information as I could and followed up on them several times.They said there was a phone number change on my account as well on XX/XX/year> at XXXX. After several attempts to resolve it they then did not take the proper time to investigate. They denied my claim and said they did not see no error because it was under my name to a XXXX XXXX  acct, XXXX XXXXXXXX. I then called to talk to a supervisor to request information several times and finally recieved some information and filed an appeal to which they denied. So I am on my 2nd attempt to file another appeal. It seems someone had my online information to change the phone # and send a money transfer as well. Money Network ( which is XXXX, XXXX. ) is no help at all. Ive also did my research and found several reddit posts about similar issues so I went this route. I just want my {$2800.00} back.
Consumer complaint received 2024-11-19
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. (MD)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a mortgage with XXXX XXXX, in XX/XX/XXXX, I fell on a hardship and requested assistance. In XXXX they approved me for a partial claim and deferred my payments for 3 months ( XXXX, XXXX and XXXX ). I resumed payments on a 3 month trial basis on XX/XX/XXXX, XXXX XXXX XXXX and received and returned the documents for the permanent modification mid XXXX. I have not missed a payment, yet they reported a missed payment in XXXX causing my XXXX XXXX to drop XXXX + points, I disputed and they removed it and added an erroneous note that said I made a partial payment. I received a credit alert on XX/XX/XXXX that said my account was 90 days past due which is inaccurate and that they had not received my XXXX payment which was paid on XX/XX/XXXX. I have not missed nor been late on a payment ever. This resulted in my score dropping another XXXX points and has caused long time creditors to close some of my accounts. I contacted them and they said they made a mistake and applied it to XXXX ( which I was in deferment status at that time ) so another mistake on their part. I have every letter that they sent after correcting their mistakes but this last incident, I have disputed and have not received an update. I want the incorrect info of 90 days past due removed and my credit restored.
Consumer complaint received 2024-11-19
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. (MS)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-11-19
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)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022
Consumer complaint received 2016-05-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (PA)

I have been paying on my formerly XXXX student loan. UAS is the servicer, XXXX bought the loan from XXXX. All the sudden, I could go months without paying, and never heard from them. Then, today, I stacted getting phone calls stating that I am late. I called them and pressed them about what happened with XXXX. I asked if my student loan was one of the ones that was forgiven. He would not answer this question. He refused to give me any information other than my balance and what I owe. I called XXXX and they said to check my credit score, since that would include who has my loan and a contact of the company. I looked up my score and history, and the loan does n't exist. It disappeared, which would indicate that it was one of the forgiven loans. Yet this company, UAS, ( University accounting services ), is claiming I owe them money and is refusing to give me any information on what exactly happened to my loan. ( He was insistent that XXXX XXXX XXXX XXXX was the orginiator. They were n't. XXXX was. ) And XXXX, went under as well and was bought by XXXX. They also are in legal issues and going under. Yet still, UAS is claiming I owe them money and refuses to give me any information. The loan is not anywhere on my credit report.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to formally dispute and request the investigation of several inaccuracies and fraudulent activities on my credit report obtained from your bureau. After careful review of my credit report, I have identified the following discrepancies that require your immediate attention and resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
The personal information listed here are inaccurate and seems does not belongs to me. I dispute the accuracy of the collection accounts listed above. I have no knowledge of these accounts, and I have not been contacted by any collection agency regarding this alleged debt. I request a thorough investigation into the validity of this debt and ask that it be removed from my credit report if found to be inaccurate. I have not authorized or initiated any credit applications with the companies or institutions mentioned above. These inquiries are fraudulent and unauthorized. I request that they be promptly removed from my credit report to prevent any further damage to my creditworthiness. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies like yours ensure the accuracy of the information they report. Therefore, I kindly request that you promptly investigate these disputed items and make the necessary corrections to ensure the accuracy of my credit report. Enclosed, please find copies of supporting documents, such as identification documents and Proof of Address attached on my letter to assist in your investigation. Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated and accurate credit report once the removal have been made.
Consumer complaint received 2023-09-06
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. (MD)

The following inquiries are on my credit reports and I didn't give permission for my credit to be ran : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-22
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report .Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (CA)

Payment posting issue resulting in late fee due to either a postal delay or bank intentionally/deliberately holding onto payment and not applying payment fast enough to cause payment late and to assess cardholder a late fee. Payment due date    XXXX  .  Payment mailed   XXXX .  Payment sent first class standard envelope without tracking from    XXXX   XXXX   XXXX    to    XXXX   XXXX   . Payment should of easily been received by Friday the  XXXX . I called the bank on   XXXX   at approx.  XXXX  in regards to this matter and spoke to an agent named  XXXX . Bank agent  XXXX  stated a late fee waiver was requested and issued back in   XXXX   XXXX   XXXX   and another could not be issued. I stated to him the reason for last years late fee waiver request was because  USPS  tracking showed payment packet was delivered on time but bank held onto payment for 3 days then posted payment to account after due date resulting in an unwarranted late fee. This is totally unacceptable. In fact, criminal. Exact reason why I occasionally send out credit card payments with tracking numbers and you would be surprised how many banks hold on to payment for a few days and not apply payment accordingly and wait till it exceeds the due date to assess a late fee onto cardholders account. I have caught numerous banks in these past couple years. All banks however after explaining the matter and giving them the postal tracking numbers, waive late fee. Again, this is the exact reason why I occasionally and randomly mail out credit card payments with postal tracking numbers and I implore everyone to do so too from time to time. Unfortunately this payment did not include a tracking number. However I am confident payment was received on or by the  XXXX .
Consumer complaint received 2023-06-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

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 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I missed a mortgage payment in XX/XX/XXXX, but paid the account in full on XX/XX/XXXX. 
Transunion is reporting that the information was changed and the late payment is now showing up on my credit report in XX/XX/XXXX ( instead of XX/XX/XXXX where it was originally ). 
I have spoken to XXXX XXXX and they claim they never made the change, and I tired to dispute the error with transunion, but they say it will be resolve within 30 days. 

I have been waiting to purchase a new property with the intention that on XX/XX/XXXX, this XXXX late payment would no longer impact my ability to get a mortgage. As it turns out, I am afraid to apply for a mortgage now until this matter is resolved since I was told that I will not qualify for 1 year after a missed mortgage payment. 

Can you help me get this resolved quickly? I was hoping to purchase a property in XXXX.