davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of EDD prepaid debit card of the Bank of America, and I have never been given my authorization to anyone to use my EDD card and account for purchases and withdrawals. Apparently, thieves are checking my accounts every day at various locations including XX/XX/11 stores, XXXX XXXX XXXX Bank of America, and withdrawing money in XXXX and XXXX XXXX counties which are 2 hours away from my home. Bank of America 's computer security system leaked to consumers information, so the hacker had the opportunity to steal money $ XXXX my account. I reported to Bank of America twice, and filling a claim, but Bank of America continues to insist on denying my claim.
Consumer complaint received 2023-07-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

THE STUDENT LOAN ACCOUNT ON MY CREDIT REPORT IS FRAUDULENT AND WAS CREATED IN ERROR OR WITH THE INCORRECT INFORMATION. I HAVE NEVER ATTENDED XXXX  XXXX NOR HAVE I ATTENDED A UNIVERSITY. THIS INFORMATION AND ACCOUNT IS INACCURATE, ONCE THE CREDIT BUREAUS OBTAIN THIS DEMAND OF REMOVAL TAKE ACTION IMMEDIATELY TO DELETE THIS ACCOUNT. 
Private Student Loans Company or Organization : XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2022 Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$6000.00}
Consumer complaint received 2023-03-28
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. (TX)

I have XXXX XXXX XXXX XXXX and as of today 's date. I have a credit score of XXXX. With 5 % usage on a XXXX credit line. Now, I also have nerd wallet. And they are reporting my credit score to be XXXX. With usage at 28 %. Both pose to be transunion but both not having the same information. I would like for the score to be corrected across all platforms.
Consumer complaint received 2023-02-16
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XX/XX/XXXX, XXXX XX/XX/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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-16
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX  XXXX XXXX Balance {$400.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX  XXXX Balance {$1100.00} ; XXXX XXXX Balance {$1000.00} ; XXXX A XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX XXXX BV XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX XXXX : XXXX. XXXX, 2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022.
Consumer complaint received 2021-10-21
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

This is my FOURTH time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX # XXXX -CAPITAL ONE AUTO FINANCE # XXXX -XXXX XXXX/XXXX  # XXXX
Consumer complaint received 2023-02-16
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. (TX)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Consumer complaint received 2023-07-14
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. (AL)

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.

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 2020-11-11
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: CBC Companies, Inc. (TX)

XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$210.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$210.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Revolving Accountsshow XXXX  button XXXX XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$280.00} written off. {$280.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$280.00} Date OpenedXXXX Detailsunder dispute icon Currently Under Dispute Installment Loansshow XXXX button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeEducation Balance- Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow XXXX buttonSelect as many as apply XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX APARTMENT COMPLEX
Consumer complaint received 2023-03-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair reporting credit act XXXX XXXX aka XXXX account # XXXX violated my rights. 

Under 15 U.S.C 1681 section 602 states I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15U.S.C 1666B ( A ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-11-12
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. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PACIFIC PREMIER BANCORP, INC. (CA)

I emailed numerous times and called customer service of Pacific Premier Bank to request my 1098 's, which are due XX/XX/XXXX. The bank told me that they do not mail 1098s unless requested. We requested numerous times by email and by phone and have not yet received.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX, Transunion and XXXX are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is XXXX XXXX XXXX XXXX XXXXXXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. Which IS NOT TRUE. I would like this entry on credit report to be removed. Even XXXX XXXX Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPOTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or REPORT.
Consumer complaint received 2023-02-16
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. (CA)

I have made all the necessary steps to have my consumer report reviewed and get the accounts deleted because of inaccurate amounts, no investigations, and no deletions. The only thing thing they did was vertify this information and i did not give any written approval of putting my information on my credit report. There is a need to insure the consumer reporting agency 's exercise theri grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Any other adverse items are not to be written on my credit report. They have reported inaccurate information. I have written to them 3 times to conduct an investigations and they did not follow the laws when conduction these investigation because no one around me has been contacted by these agencies. I want them to deleted these items immediately.
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (PA)

Hello, I have recently discovered that there is unauthorized information in my name being used on my credit report. I do not know where these inquiries came from all on the same date. I have a security lock on my credit report and I was not alerted to this information being authorized. I am requesting that these be deleted from my credit report. I have reported this information to the federal trade commission, I will attached a copy of this report reflecting all items that were found to be unauthorized. Please open up and investigate this matter and remove the unauthorized items as soon as possible.
Consumer complaint received 2023-02-16
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. (NC)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} TXXXX XXXX XXXX Balance : {$12.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Financial Services reported the XXXX late payment to my credit report and ruined my credit. 
I am in the middle of the mortgage process and I am losing my home due to this issue. 

Attached, you will find a copy of the letter received from Toyota Financial Services ( TFS ), indicating their decision not to remove the late payments from my credit report. Additionally, I have forwarded another letter to Toyota TFS requesting a reconsideration of their decision. 

Allow me to explain the situation at hand. 

On XX/XX/2023, I canceled my Toyota service agreement, anticipating a refund of {$2200.00} to be credited to my Toyota account. I was under the impression that this refund would cover my monthly payments. Regrettably, it was only after contacting Toyota Financial Services ( TFS ) following the holiday period that I became aware of a missed payment. Subsequently, I promptly made the payment. However, despite updating my account to reflect my current status, Toyota did not delete the XXXX late payment for XX/XX/2023 from my credit report. Attached, you will find my Toyota account transaction history. 

There was no indication, verbally or in writing, that the refund would only be allocated towards the principal rather than both principal and interest. Moreover, there is no mention of such terms in the cancellation agreement ( attached ). 

While Toyota has updated my account to reflect a decrease in overall debt, resulting in a slight increase in my credit score, my current XXXX mortgage XXXX XXXX stands at XXXX ( I need min XXXX, and no late payments on my record ). 

The dispute process may take a long time to resolve, and I believe it is unfair that I am losing my home because of this mistake. This does not accurately reflect my creditworthiness ; rather, it reflects my naivety I eagerly await your guidance and any additional requirements you may have. Your assistance in resolving this matter is greatly appreciated. 

Thank you for your attention to this pressing matter. I am looking forward to hearing from you. 

Warm regards, XXXX
Consumer complaint received 2021-01-08
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. (NC)

Hi! I have a credit inquiry on my Transunion credit history from XX/XX/2020 from XXXX XXXX XXXX. 

I did not authorize this nor do I recognize this company at all. I called Transunion twice to ask for them to remove the fraudulent inquiry and both times they refused, saying it was the reporting companies responsibility. XXXX XXXX XXXX customer service was not helpful at all either. 

Please remove the fraudulent inquiry from my report as it isn't mine and I am not responsible for it.
Consumer complaint received 2023-07-14
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 2023-03-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP (NJ)

I contacted the debt collector by mail. But his attorney still harassing me. That if I don't answer they will be taking everything from me without having my real name. They have beng sending me mail under another name similar as mine.
Consumer complaint received 2023-02-16
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. (WA)

Minnesota XXXX XXXX child support has an account that i cant access, became secondary and ive been making payments on my child support but its not reporting it correctly. ive been paying child support thru the XXXX  child support log in account. ive tried calling and nobody has an answer on how i can pay for both child support cases thats under XXXX child. im paying the stepfather and mother but only the mothers dont get reported .... its hurting my credit score i had 100 % not long ago. now because of the wrongfull reporting i look really bad. i really have been paying my child support you can look it up. child support is not reporting correctly and they told me that they cant do nothing about. im paying my child support and the system says no data or ive missed XXXX payments? im trying to understand why? this is my first time ever complaining and im XXXX old please anybody