davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
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. (AL)

Subject : Request for Immediate Removal of Fraudulent Account from Credit Report I am writing to request the immediate removal of a fraudulent account from my credit report. The fraudulent account is listed under the following details : Creditor : XXXX XXXX XXXX XXXX XXXX Debt XXXX XXXX Account Number : Placed for Collections ( amount {$3200.00} ) Date Reported : XX/XX/2024 Account Status : collections I have thoroughly reviewed my credit report and have identified this account as fraudulent for the following reasons : Identity Theft : I have never opened an account with XXXX XXXX XXXX XXXX XXXX XXXX or engaged in any transactions with them. The account in question is a result of identity theft, and I have taken the necessary steps to report the fraudulent activity to the authorities. 
Inaccurate Reporting : The account is reporting inaccurate information, including the date of last activity and the date of first delinquency. This violates the Fair Credit Reporting Act ( FCRA ), which mandates that information reported by credit bureaus be accurate and complete. 
Failure to Investigate : Despite my repeated requests, transunion has failed to conduct a reasonable investigation into this matter. This is a violation of my rights under the FCRA, which requires credit bureaus to investigate disputes and correct or delete inaccurate information. 
Consumer Rights Violations : By allowing this fraudulent account to remain on my credit report, the credit reporting agencies are infringing upon my rights as a consumer. These rights include the right to dispute inaccurate information and the right to request a free copy of my credit report once every 12 months. 
In accordance with my rights under the FCRA, I demand that the credit reporting agencies immediately remove the fraudulent account from my credit report and provide me with a revised copy of my credit report reflecting this removal. I also request written confirmation of the removal and any actions taken to investigate this matter. 
Please note that failure to comply with this request may result in further legal action to enforce my rights under the FCRA. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal. 
Sincerely, XXXX XXXX You will also see that I have no inquiries regarding any request to ANY credit request.
Consumer complaint received 2023-02-15
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. (PA)

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 Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX 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 2024-08-26
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)

On XXXX I reported inaccurate information on my Transunion report . The XXXX XXXX listing that I owe {$71.00} in collection/charge off is inaccurate. I Challege the accuracy of this listing. This account is involved in litigation. I have not supplied proof under estoppel by silence, Engelhardt vs. Graven ( mo ) 281 sw715 719 I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. I request for original contract with my signature and any payment history be produced. I am formally requesting immediately that the inaccurate listing be deleted from the credit profile Transunion holds under my social security number.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Private student loan with XXXX was discharged in XXXX XXXX bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX XXXX continues to report a charge off, balance due, and late payments.
Consumer complaint received 2020-11-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WINNPOINTE CORPORATION (CA)

Dear officer, I am reaching out to you to complain about bad and unethical practices of mortgage lender " Interactive Mortgage '' and seeking help from you to get the justice. 
Through a reference, I approached Interactive Mortgage for refinancing my home mortgage.They offered me a rate of 1.99 % ( 15 years fixed ) without any contingencies after talking to me. They asked to fill the application and also they told me that they would pull my credit. Before I gave my consent for pulling credit, I asked for rate confirmation and they said " yes. They did not mention any contingencies on the rate. I did all the paperwork and sent the documents on XXXX. They told me that thy would would comeback after 20 days. I reminded once on XXXX and they came back on XXXX. They sent closing disclosures for signatures. 
I signed and before sending, I went every piece of information. I realized that they increased the rate to 2.125 % without notifying me. I believe that it Is not at all a good practice by any means. Who with good business ethics would send closing disclosure with increased rate without discussing with borrower? They have confirmed the rate without any contingencies before pulling my credit and before I spent time to do all the paper work. 

I mailed back them asking why did they increase the rate. They mentioned apprised value of the house do not qualify for that rate. My loan amount is XXXX. My home is appraised for $ XXXX by the agency sent by them. If that is the case, that should be a contingency before I spent time for all the paper work and my credit is pulled. They are saying that I filled XXXX as approximate home value. How would I know the my home value? Now a days, lot of people check XXXX for the latest home value estimates which shows XXXX. Since I spent lot of money for renovation, I gave approximate value $ XXXX. They are taking this as excuse to increase the rate. 
If they had put this as contingency before conforming the rate, doing all paper work and pulling my credit, I wouldt have proceeded with them since I had alternatives at that point of time. Since I lost time and competitive advantage because of their bad business practices, I would request to intervene and do the needful. 

Thank you for your time and service.
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 items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DEPT OF EDUCATIONXXXX XXXX Balance : {$10000.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1100.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$3000.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$1900.00} XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/20XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX. Upon reviewing my TransUnion and XXXX credit reports again, I can still see the unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-01-14
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: FIFTH THIRD FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Simply opinion based on hundreds of unresolved reports over decades. The entire system is a sham. I have not had ONE, GOT THAT ONE COMPLAINT EVER RESOLVED IN OUR FAVOR. The fact that one is judged by their works confirms the opinion is correct. Furthermore your organization a key component of this opinion because you are exactly the same and by nature of what you actually do, just collect information, you are all in the end exploiters of people.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  XXXX purchased XXXX bank in XXXX of XXXX. I had a Covid extension with XXXX in XXXX. I paid the account in full before the XXXX hardship was to expire, XXXX did not report my account as late to the credit reporting bureaus. After XXXX  purchased, the 30-day XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to XXXX  directly XXXX I went up the chain of command within XXXX with no resolution. I have asked for all records from my account with XXXX including the hardship deferment during XXXX. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with XXXX. XXXX is reporting on an account that XXXX did not own at the time of reporting. The original creditor at the time, XXXX, did not report me late for XXXX of XXXX.
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. (IL)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

Under the Family Educational Rights and Privacy Act ( FERPA ), my educational records are protected and should not be disclosed. Consequently, any alleged debts revealed that are linked to these records contravene the Family Educational Rights and Privacy Act of 1974, as outlined in 34 CFR 99. Therefore, they must be promptly eliminated from my consumer reports. 

Furthermore, per the FCRA, as a federally protected consumer, I am now also opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. ( 6805 ).
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

On or around XX/XX/XXXX I sent a dispute letter notifying Experian of inaccuracies and violations in their reporting of an account on my credit report. I requested deletion due to grossly inaccurate reporting of the Date Of Last Activity, spanning across 4 years from XXXX to XXXX. Experian was notified that re-aging an account is a violation in regards to my request for deletion of the disputed account. Experian responded that the account has been Updated and Verified without deletion or correction of violation. 

On or around XX/XX/XXXX I sent a 2nd dispute letter to Experian questioning the result of the 1st dispute returning as accurate and updated. I disputed continued inaccurate reporting of the Date Of Last Activity, re-aging of an account, and again informed Experian to delete for continued reporting violations 6 weeks after the first dispute. Experian responded that the account has been Updated and Verified without deletion or correction of violation. 

On or around XX/XX/XXXX I sent a 3rd dispute letter to Experian requesting deletion of the same account to Experian, informing them of multiple FCRA violations that they were blatantly committing by reporting Past Due amounts on a collection account. Experian continues to report Past Due amounts 3 years after closure of the account and responds to dispute stating that the account has been Updated and Verified. 

On or around XX/XX/XXXX I sent a 4th dispute letter to Experian requesting deletion of the same account for inaccurate reporting between bureaus showing the same account as Charged Off and 120 days Late simultaneously. The inaccurate reporting continues without deletion or response. Despite errors, Experian states that the account again is Updated and Verified. 

On or around XX/XX/XXXX I sent a 5th dispute letter to Experian requesting deletion of the same account for violating the Fair Debt Collection Practices Act by reporting Late Payments after the account has been closed. Reporting of this account continues in XXXX, 3 years past closure of the account. Experian has refused action for violations regarding this account through 5 disputes and 6 months time and responds stating the account is Updated and Verified.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

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. 

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 2023-02-15
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 asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough research. 

In accordance with the Fair Credit Reporting act XXXX account numbers written below, has violated my rights. 

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (OH)

This account has been removed once before and they put it back on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is A defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C and 1681 you have broken the law because these damages are fraud and I am trying to move forward.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (CO)

I communicated with Mercedes Benz Financial Services, XX/XX/2021 about a report of a delinquency to XXXX  and XXXX  that was derermined to be inaccurate. When I ask for an immediate resolution of the error I was unable to communicate with the credit department. I was told they do not speak with clients and they only communicate with credit bureaus once a month. 
I am in the process of applying to refinance a mortgage. This failure to expedite the remediation of their mistake is problematic for me.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

Item purchased on Amazon on XX/XX/2023, electronic part for a total of {$380.00}. 

Amazon claims items was delivered on XX/XX/XXXX and left in my mailbox. 

Upon inspection, item was not delivered. Local XXXX does not have it either. 

Contacting Amazon provided me a representative which told me the item says delivered so nothing can be done.

Amazon has not investigated or provided a resolution.