davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
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. (AZ)

On XX/XX/2020 i sent XXXX XXXX and TransUnion More than enough supporting documents to have 3 accounts that do not belong to me removed or blocked from my credit history. i was very straightforward by telling the three credit bureaus that these accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX did not belong to me and that i had never opened these accounts nor did i ever give anyone permission to open these accounts under my name. i filed a police report and a FTC report to have these items removed and they are still being reported. I Did not open these accounts and they are not associated with me in any way shape or form. i have no contract with any of these companies listed in my police report or FTC report. I also called the three major credit bureaus to ask if they had attached my complaint documents so the companies can see them and they stated No they didn't which violated my rights as a consumer and did not give me the fairness to have these accounts removed. i have also sent enough proof to identify myself with my arizona drivers license and two current utility bills
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

On XXXX XXXX Experian sent me a investigation results stating they verified bankruptcies under my name with XXXX, However I sent Experian a report from XXXX that they are not reporting or showing any bankruptcies under my name. Experian continues to lie about reinvestigating my dispute. on XXXX XXXX I sent Experian a police report and my FTC fraud claim showing that those bankruptcies do not belong to me and is FRAUD. on XXXX XXXX they sends a letter saying they will remain as of they XX/XX/2020 investigation. Per law they are to investigate whenever new information is provided and they failed and ignored my request and ignored my police report. I am also sending copies of this and letter to attorney general. Experian is trying to deny my right to dispute. Experian will not remove the false information on my report. Experian replied and stated it was still verified without sending me any documentation or proof of an actual investigation. Only thing they sent was an investigation from XXXX still remains and did not accept my new information for the dispute I sent in XXXX with new information and POLICE REPORT. 

I know per the FCRA I have to give them 30 days to correct a known mistake within my credit file and at this point they have been granted that time, this is a formal notification that I plan on filing a complaint with the Attorney General, and XXXX against Experian company if this bankruptcies is not deleted from my credit report IMMEDIATELY! 

US BKPT CT  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a of bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX   XXXX {$370.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}
Consumer complaint received 2020-12-30
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)

I submitted a letter and proof to Transunion regarding my fedloan accounts. 
Explaining that they are reporting inaccurate information on my credit report compare to XXXX and XXXX. I was sent a letter from Transunion stating they have update the information, with no proof showing how they were able to validate what they updated. 

Transunion did not do as I requested, I didn't ask them to validate or updated the account, I specifically request that the account be deleted due to in accurate reporting. 

It is not my job to bring attention to Transunion regarding in accurate reporting information that could possibly hurt me from further purchases.
Consumer complaint received 2020-03-05
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: EQUIFAX, INC. (TX)

ftc file # XXXX XXXX XXXX XXXX XXXX XXXX all of them XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XXXX  XXXX, XXXX A XXXX woman won a {$450000.00} arbitration award from XXXX XXXX ... Companies who violate the 1991 Telephone Consumer Protection Act can be fined a ... The Federal Trade Commission received nearly 3.8 million robocall
Consumer complaint received 2020-03-05
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. (TX)

ftc file # XXXX XXXX XXXX XXXX XXXX XXXX all of them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XXXX  XXXX, XXXX A XXXX woman won a {$450000.00} arbitration award from XXXX 's ... Companies who violate the 1991 Telephone Consumer Protection Act can be fined a ... The Federal Trade Commission received nearly 3.8 million robocall
Consumer complaint received 2020-12-30
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. (CO)

I disputed inaccurate accounts reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (FL)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-05
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. (TX)

ftc file # XXXX XXXX XXXX XXXX XXXX XXXX all of them XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked  more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XX/XX/XXXXXXXX, XXXX A XXXX woman won a {$450000.00} arbitration award from XXXX 's ... Companies who violate the 1991 Telephone Consumer Protection Act can be fined a ... The Federal Trade Commission received nearly 3.8 million robocall
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 8th 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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-05
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. (MO)

XXXX closed my account in XXXX of 2017. They did not tell me the account was closed and continued to report that I was missing payments on a closed account when I was actually making payments. When I called to ask why my account was reported as a closed account on my credit report, they lied to me and told me that it was open. It wasn't until I spoke with the dispute team that I was informed that the account was in fact closed. They also misappropriated a payment and redistributed it as miscellaneous funds. ( They initially denied this and said that my bank had taken the payment back. I pointed the information out to them when I got a copy of my payment report from them ). I would like them to remove the missed payments that are reported after they closed the account in XXXX of 2017.
Consumer complaint received 2020-12-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc. (OH)

I attempted to payoff this loan early for the anticipated payoff amount of {$6700.00} to the company ( Santander Consumers USA ) directly. However, when I attempted to pay this amount they refused to let me pay more than {$2900.00}, per transaction. When I spoke with a representative ( XXXX ID # XXXX ) I was advised that I could not pay off the total amount owed in one transaction, per a limit. I was advised that I would have to do multiple transactions ( 3 over 2 days ) instead of all as one lump-sum. I was forwarded to a supervisor ( XXXX ID # XXXX ) who also reiterated the same. This type of hassle is shady from a consumer standpoint, as well as seems to be circumventing regulatory reporting processes for XXXX. If I was a consumer and was committing these types of transactions it would be viewed, by most semi-intelligent persons, as an attempt to commit money-laundering and trying to avoid any type of list for going over a {$3000.00} triggering amount. Being that there was no Due Diligence question of the source of funds, this tells me that Santander Consumers USA is either avoiding Federal banking regulatory procedures, or is just plain lazy. Either way, there is no reason that a consumer should be required to make multiple transactions for a payoff. This gives MY bank due cause to question my motives and put me through a battery of unnecessary scrutiny, when I am trying to complete a legitimate payoff of a liability. When interest is accrued on a daily-basis, this is costing me more money to pay in multiple transactions over multiple days.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (PA)

I called Fay Servicing who is my Mortgage company. My loan number is XXXX. I explained to them that due to this Covid-19 Crisis, and since I'm in XXXX and it's become very hard to XXXX  anything to companies that are closed, could they please defer my payments for a couple of month. I am current with my payments. They said they couldn't help me.
Consumer complaint received 2022-12-25
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Transunion I opt out and it seems Transunion does not have me opt out as requested several times over and over.
Consumer complaint received 2020-12-30
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. (VA)

I need someone to look into this matter immediately. Experian closed my last dispute with CFPB under case ID XXXX In regard to account # XXXX from the company XXXX XXXX XXXX in the amount of {$470.00} that was illegally re-inserted back onto my credit report with Experian . 

Whomever the representative with Experian that viewed this before claimed " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you '' Two Days ago ( XX/XX/XXXX) I called and had everything verified over the phone with a representative showing that I am disputing this information and it has been illegally placed on my credit report. 

Furthermore, XXXX  has taken the matter of the investigation I had with them very seriously and immediately deleted the illegal records of this creditor and others on XX/XX/2020 from my credit request and I am asking Experian to do the same. 
Additionally, XXXX  has also deleted this same creditor in the past under a different investigation with the CFPB which I will also attach once again. 

Please review the evidence attached. I'm in the middle of applying for a mortgage and this account this is listed on my credit report that is not mine is holding me back from being able to apply for a mortgage. 

I need to have this account remove as soon as possible as you will see that XXXX  took this matter seriously and deleted this account and others quickly because they're not mine. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX Please govern yourself accordingly.
Consumer complaint received 2020-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I applied for affirm loan and was denied due to limited credit score is incorrect reported to them by XXXX. 
When I applied I had a credit score more than XXXX which affirm claimed that was reported by XXXX.
Consumer complaint received 2020-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On Monday, XX/XX/2020, at XXXX XXXX  ( CST ) I used my debit card at XXXX XXXX XXXX XXXX XXXX in the amount of {$730.00} to pay for a procedure. The procedure was rescheduled. That same day at XXXX XXXX  ( CST ) ( The void shows the time as XXXX XXXX PST ) XXXX XXXX XXXX XXXX XXXX voided the transaction. This is less than 1 hour and 20 minutes from the initial debit. It is now Thursday, XX/XX/2020, and Wells Fargo still is holding these funds. The funds were never received by the doctor 's office. The transaction was voided.
Consumer complaint received 2022-12-25
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. (NY)

On XX/XX/2022, I received a notification from XXXX XXXX about a hard inquiry made on my XXXX and TransUnion credit reports. I immediately called XXXX XXXX to make a complaint, but I shuffled around to multiple departments and ultimately told I had to write a letter to them ( XXXX XXXX ) about the fraudulent credit card application. I then called XXXX and TransUnion and I was told a different process ; they said I had to write a letter to them, along with a letter of " deletion '' from the creditor. However, when I called XXXX XXXX back to inform them of this information, they insisted that they do not provide such letters to people. I called XXXX XXXX back again and I was told by a representative in the fraud department that they'd report the fraudulent inquiry back to the credit bureaus and that I would have to wait XXXX business days for it to be removed. I tried filing three fraudulent disputes with XXXX : one on XX/XX/XXXX ; XX/XX/XXXX, and XXXX. All three were determined to be " verified as accurate, '' which means it was done by me, and that's a completely false finding. My credit score has dropped significantly due to this fraud. I have been unable to receive any assistance from XXXX XXXX ; they won't even tell me what's on the application per their " policy. '' This credit inquiry is completely fraudulent! It should be removed immediately if XXXX XXXX reported it promptly to the credit bureaus.
Consumer complaint received 2022-12-22
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.