davidheineman/consumer-finance-complaints-large huggingface dataset:
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

18 U.S.C 1028 No consent to share my information at all!!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Total 3= {$3000.00} 18 U.S. Code 894 - Collection of extensions of credit by extortionate means Total 3= {$4000.00} 15 U.S. Code 1681o - Civil liability for negligent noncompliance Total 10= {$10000.00} 15 U.S. Code 1681n - Civil liability for willful noncompliance Total 10= {$10000.00} 15 U.S. Code 1681b - Permissible purposes of consumer reports Total 5= {$5000.00} Over {$30.00}, 000 Violations and I want to know why exactly you will not remove the fallowing accounts please send me something in writing as I am bringing a civil suit against Transunion. How this information is verified as accurate if I can prove that you are reporting inaccurately!! 

XXXXXXXX XXXX XXXXXXXX " PAST DUE BALANCE OF {$1800.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

THIS ACCOUNT ALSO SHOW INCORRECT PAYMENT XXXX XXXX XXXX WHICH ARE GROUNDS FOR DELITION -- -- - VIOLATIONS FOR THIS ACCOUNT {$5000.00} XXXX XXXX XXXX " PAST DUE BALANCE OF {$450.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

THIS ACCOUNT ALSO SHOW INCORRECT PAYMENT XXXX XXXX XXXX WHICH ARE GROUNDS FOR DELITION -- -- - VIOLATIONS FOR THIS ACCOUNT {$6000.00} XXXXXXXX XXXX XXXX  PAST DUE BALANCE OF {$820.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

THIS ACCOUNT ALSO SHOW INCORRECT PAYMENT XXXX XXXX XXXX WHICH ARE GROUNDS FOR DELITION -- -- - VIOLATIONS FOR THIS ACCOUNT {$5000.00} XXXXXXXX XXXX XXXX PAST DUE BALANCE OF {$1200.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

THIS ACCOUNT ALSO SHOW INCORRECT PAYMENT XXXX XXXX XXXX WHICH ARE GROUNDS FOR DELITION -- -- - VIOLATIONS FOR THIS ACCOUNT {$5000.00} XXXXXXXX XXXX XXXX  PAST DUE BALANCE OF {$140.00} '' THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

VIOLATIONS FOR THIS ACCOUNT {$2000.00} XXXXXXXX XXXX XXXX  PAST DUE BALANCE OF {$510.00} " THIS ACCOUNT ALSO SHOWS AS A CHARGE ACCOUNT IT IS ILLEGAL AND FEDERAL LAW STATES THAT YOU CAN NOT REPORT A PAST DUE BALANCE ON A CHARGE OFF ACCOUNT. 

VIOLATIONS FOR THIS ACCOUNT {$2000.00} XXXXXXXX XXXX was never late on this account delete it asap!!
Consumer complaint received 2021-03-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (NY)

We was approved for a mortgage for XXXX the house we was looking at was XXXX at first Was told we live too far from the property now theyre saying that we dont make enough money for the loan and the loan is too big for what we ask her for but we was approved for XXXX and the loan is XXXX we were short application fees appraisals
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DEPT OF EDXXXX XXXX Balance : - Tied up DEPT OF EDXXXX XXXX Balance : - Tied up XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00}
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

My bank ( Select Portfolio ) is not reporting my mortgage payments to any of the 3 credit bureaus. I called several times, each time i was told to get reaffirmation letter, i called several attorneys for legal advice and i was told its too old to get reaffirmation letter, i filled XXXX  XXXX in 2014, bank is asking letter from that 2014 XXXX  XXXX case, i only need bank to report my payments to all XXXX credit bureaus. 
My loan was transfered from XXXXXXXX XXXX XXXX to Select protfolio more then 2 years ago. 
Thanks
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (WI)

My WI XXXX XXXX Eppicard was suspended for fraudulent activity in XXXX. Twelve unsuccessful attempts to speak contact customer service @ # listed on card. Minimum time waiting was 45min max time in line 2.5 hrs. Never speaking to a live person. Each call attempt was made @ diffrent time & day of the week to rule out high call volume times. 

After waiting 65 minutes I spoke with a Level 1 representative who said id need to speak with a L2 agent. 204 minutes wait time. The L2 agent asked for the same information I provided L1 After L2 verified my information was correct transferred me to L3 agent to lift suspension from my card. My call in queue 137min. When the L3 agent answered the call was dropped. 
Forcing me to start over @ L1 At L1 or L2 I wasn't given an explanation for the suspension. The fraudulent activity was never addressed or mentioned by representatives, agents at all. 
Wait times are unacceptable
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX Subject : Formal Complaint Regarding Incorrect Reporting of Student Loan Payments Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have been experiencing with the reporting of my student loan payments. Despite several attempts to dispute and rectify the situation, the matter remains unresolved, causing significant harm to my credit. 

I have diligently sought to address this matter directly with the credit bureaus, emphasizing the inaccuracy of reported late payments on my student loans. These late payments are, in fact, incorrect, as my payments were rightfully supposed to be deferred due to the impact of the COVID-19 pandemic on my financial situation. 

I have made numerous attempts to rectify this error through the appropriate channels, providing documentation and proof of the deferment eligibility due to the pandemic. However, the credit bureaus have failed to acknowledge or resolve the issue, leaving these inaccurate late payments on my credit report. 

Given the adverse effects on my creditworthiness, I am left with no choice but to escalate this matter to the Consumer Financial Protection Bureau. I kindly request your intervention in ensuring that the credit bureaus promptly and accurately reflect the deferment status of my student loan payments during the specified period affected by the COVID-19 pandemic. 

I believe that swift resolution of this matter is essential to safeguarding my credit standing and financial well-being. I request that you investigate this issue thoroughly and take the necessary steps to compel the credit bureaus to correct their reporting accordingly. 

Thank you for your attention to this matter, and I appreciate your assistance in resolving this dispute promptly. 

Sincerely, XXXX XXXX
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2020-11-12
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. (MN)

on XX/XX/XXXX i sent documents to experian pertaining to fraud. experian recieved my documents a nd i verified by phone. 30 days later after the investigation they dont have records anymore my documents. collection agency responded back stating that account was verified. i would like to have these accounts removed as quickly as possible. as they are hendering my credit.
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I received XXXX XXXX Services from a company in XX/XX/2016 while being covered by XXXX & Maryland XXXX. For some reason, 3 years after the services have been rendered, my Transunion credit report has been reporting that this creditor has reported that I owe a balance of {$690.00} due to non-payment. In an effort to resolve this issue, I have contacted both the creditor and Transunion, while submitting copies of my insurance cards in order to support that I am not delinquent. To no avail, this creditor and Transunion continue to report this delinquency
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There are accounts on my credit report which do no belong to me. I contacted the credit bureaus report this incorrect information and made an identity thief report. I did not include the report in the letter I sent but listed the accounts in which I did not recognize.I also put a freeze on my account to be notified if anyone tries to use my information.
Consumer complaint received 2023-08-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

THESE 5 COMPANIES CHECK MY PERSONAL CREDIT WHEN THE  PURCHASE WAS A CORPORATE PURCHASE OF A VEHICLE. I DID NOT AUTHORIZE THESE INQUIRIES. THE VEHICLE PURCHASE WAS A CORPORATE PURCHASE, NOT A PERSONAL PURCHASE. I HAVE THE SALES CONTRACT THAT SHOWS THE BUYER FOR THE VEHICLE IS XXXX XXXX XXXX XXXX XXXX XXXX, AND IT WAS A CASH PURCHASE:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE COMPANIES DO NOT RESPOND OFTEN; WHEN THEY DO THEY TELL ME WITHOUT AN ACCOUNT THEY CANNOT CORRECT THEIR ERROR. XXXX; EQUIFAX AND XXXX  TELL ME THAT THE COMPANIES NEED TO REMOVE THE INQUIRY...THE COMPANIES TELL ME THE CREDIT BUREAUS NEED TO REMOVE THE INQUIRY. I HAVE WORKED ON THIS ISSUE FOR A YEARS WITH NO RESULT. THIS HAS DAMAGED MY ABILITY TO DO ANYTHING FINANCIAL, IN THIS LAST YEAR. I WANT THESE FRAUDULENT INQUIRIES REMOVED FROM ALL THREE CREDIT BUREAUS.
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: Commonwealth Financial Systems, Inc. (TX)

Good Day, I am XXXX XXXX and my reason for me reaching out today is to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2024-03-20
Product: Credit reporting 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. (OH)

On XX/XX/XXXX. I received a notice via email that 4 accounts were deleted. I spoke with a representative on XX/XX/XXXX in the fraud department where the representative helped me with the disputes. I have had a fraud alert on my XXXX credit report since XX/XX/XXXX. 

The reason for the deletion is because I uploaded my FTC documents and Drivers License and Social security information with my correct name. My name was reporting incorrectly and there were accounts that should not be reporting. So I received an update that they were removed immediately. 

Today XX/XX/XXXX. I received an email of reinsertion of all the accounts that were deleted. I spoke with a representative and he stated that it was never deleted. I told him it was, I have copies and proof. Then stated he the reason it was reinserted was because they received more documentation from me. But they never did. The documentation that was received was sent in XX/XX/XXXX when I spoke with the Fraud department and he corrected my name and city of my address. I asked him to explain why it was reinserted again just to clarify, he stated it was because they received documentations from me. I asked him when, he proceeds to say he doesnt know because he is having system issues. Not acceptable, because I know when it was submitted and asked to be transferred to fraud department. 

Call was transferred to XXXX in Fraud Department. The same thing was explained to her and she also stated that it was pending investigation. I expressed to her AGAIN, that the accounts were deleted on XX/XX/XXXX and I have proof and they need to be removed permanently. 

She still stated that theres nothing she can do. This is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. They did not receive that information in one day from all the creditors. They deleted due to the circumstances of the accounts reporting.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : I am writing to dispute the following information that your company supplied to MY CREDIT FILE I have circled the items I dispute on the attached copy of my credit reports. 



XXXX ( ACCOOUNT NUMBER : XXXX ) is inaccurate ] because EACH REPORT IS SHOWING A DIFFERENT OPEN DATE AND A DIFFERENT HIGH CREDIT BALANCE. NOT TO MENTION THE LAST REPORTED DATES ARE ALL DIFFERNT AND INACCURATE. 



XXXX XXXX ( ACCOUNT # XXXX ) HAS A DIFFERENT LAST REORTED BALANCE AND DATE WHICH NEED TO BE REMOVED FOR INACCURATECIES. 



XXXX ( ACCOUNT # XXXX ) THIS ITEM WAS REMOVED FROM OTHER THREE REPORTS AND SHOULD BE REMOVED FROM ALL REPORTS. 



XXXX XXXX XXXX ( XXXX ) THE DATE OF LAST ACTIVETY IS INACCURATE AND SHOULD BE DELTED OFF MY REPORT. SHOWING DIFFERENT LAST ACTIVE DATE ON EACH REPORT. 



XXXX XXXX XXXX ( ACCOUNT # XXXX ) THIS ACCOUNT IS BEING REPORTED INACCURATE FOR A DIFFERENT LAST REPORTED DATE, LAST ACTIVE DATE AND REPORTING LATE PAYMENTS. LATE PAYMENTS SHOULD NOT BE REPORTED UNDER A COLLECTION AGENCY. 



These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report Unas following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately Enclosed are copies of [ my credit report and other documents enclosed with supporting my request.
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. (IN)

I did not authorize the creation of these accounts, and I am certain they are fraudulent. I request that you investigate the matter and expunge them from my credit report. I have furnished supporting evidence to corroborate my position.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have been a victim of identity theft, since my social security was compromised, so I'm sending this complaint because of fraud item s on my report. I'm not using any third party for this matter and represent myself by myself.

I have filed FTC report for hard inquirers that I have never authorized.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX these items above should be removed from my report immediately.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (GA)

Notice of Intent to Sue Under FCRA Violations and Privacy Act and Truth and lending Act Violations for Willful Negligence. ( XXXX XXXX XXXX XXXX XXXX XXXX ) Stated My Claim had no Merit Who is she to say what has merit in a legal claim her Document is untrue and misleading. ( XXXX XXXX XXXX XXXX XXXX XXXX ) Has to provide Necessary Disclosures of how they share my Private Non public Information and Give me Reasonable time to opt out of them Sharing Information to Non Affiliated third parties In which ( XXXX XXXX XXXX XXXX XXXX XXXX ) furnished information to the Consumer reporting agencies ( XXXX, XXXX XXXX and Equifax ) Im demanding this trade line be Delete from my credit file immediately. Its order ( XXXX XXXX XXXX XXXX XXXX XXXX ) Shall make the Necessary Changes within XXXX Calendar Days. Also update the Consumer reporting agencies of this legal Dispute. I am expressing all my Consumer Rights and Opting out Also I Direct the Consumer Protection agency to Remove all Dispute Statement from my Consumer File, I also Direct the Consumer Protection Bureau to communicate with XXXX XXXX, Equifax and XXXX for compliance