davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1666B : 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 2022-07-01
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. (NJ)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate.They never did a fair investigation according to the 15 USC 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to:15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions According to : 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 2022-07-01
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. (NV)

How many times do I have to tell the Credit Reporting Agencies that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my file? I previously sent a letter to Transunion requesting the investigation and correction of the accounts and yet they have done nothing. Transunion is obliged to investigate and update this account per consumers requests under the FCRA regulation. The 3 credit bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that Transunion take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-05-23
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)

A security freeze was placed on my XXXX report on XX/XX/2020. I also placed a freeze on my XXXX XXXX XXXX XXXX report on XX/XX/2020. I do have verification for these freezes if needed. XXXX has continued to verify personal information reporting to my credit report post-freeze. I have letters from XXXX  ( XX/XX/2020 ), TransUnion ( XX/XX/2020 ), and XXXX  ( XX/XX/2020 ) stating that public records on my report were verified using XXXX. I received a letter from the courthouse stating that they do not sell or report public records concerning bankruptcy filings to any third party agencies or credit bureaus. The reporting from the three major bureaus do not match one another as they are required to. I have disputed the inaccuracy of the reporting and nothing has changed. The court names are incorrect, the filing dates do not match and they are incorrect, the reference numbers are all different. I have disputed this information with XXXX, TransUnion and XXXX  multiple times and the information comes back verified each time with the same response : " obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX ''. I know that the law states that the bureaus are required to report all accurate information on consumer reports, and that has not been the case for me. I am aware that data obtained for a consumer report must be validated through the original furnisher and the original furnisher stated in writing that they do not share info with 3rd parties.
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (MA)

In XX/XX/2020 Navy Federal Credit Union opened a checking / savings account for XXXX XXXX ( My name is XXXX XXXX. ) based on fraudulent information. Beginning with phone calls in XXXX, numerous letters, and a FTC identity theft inquiry, I and Detective XXXX of the XXXX Police Department requested a copy of any information related to the fraudulent application. Such forensic information can help identify the perpetrator ( s ). 

XXXX only response is to confirm that the account is closed. For more than XXXX months of phone calls, registered letters, inquiries from the XXXX Police Department, my providing a copy of my drivers license / notarized signature / police report, XXXX hasn't responded to the basic request : copy of the fraudulent application, information on the source of the initial deposit and return of the deposit, computer address, identity of who recommended XXXX XXXX for membership, XXXX follow-up on fraudulent applications, etc. 

XXXX ref # - XXXX My concern is that failure to follow-up on these frauds makes it " risk free '' for the perpetrator. It contributes to consumer stress since I have to initiate an array of identity theft protocols. 

XXXX lack of response to a consumer and cooperation with law enforcement is appalling.
Consumer complaint received 2020-05-23
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. (TN)

I have an auto loan serviced through XXXX. The loan shows several false late payments on my credit report. These payments were never late and have been reported incorrectly. XXXX recently settle a lawsuit which outlines they correct all negative information on a customers credit report. As well as XXXX the customers balance and release the lien and issue the title to the customer. None of which has been done.
Consumer complaint received 2020-05-23
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. (MO)

To Who Can Help me, I sent in letters to a bureau experian about inquiries I had never seen before. They are not mine. I am writing this complaint because they haven't responded gave me an update or anything.
Consumer complaint received 2022-07-01
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: LEXISNEXIS (NJ)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate.They never did a fair investigation according to the 15 USC 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to:15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions According to : 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 2022-08-20
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. (GA)

I have lived at my current address for over 2 years. I do not live at any other address you currently have in my credit profile. There may be individuals that have the same name as mine. Creditors may have entered my name, and address incorrectly when requesting my credit report. And I was told that all of those invalid addresses must be removed. I am concerned that mail could go to the wrong place and jeopardize my identity if it hasnt been jeopardized. Please help me keep my identity protected by updating the address correctly on my credit report. The information below is the only personal information that should be on my report.
Consumer complaint received 2022-08-20
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. (MI)

XXXX XXXXXXXX bank I have not applied for this credit card very confused on why the date of the inquiry is XX/XX/XXXX also this account is not on my XXXX or XXXX credit report. 

Both XXXX card services didn't know what this card service is and definitely haven't applied for the services in over two years. Also this account is not on my XXXX credit report. 

XXXX account has two different dates Transunion report XX/XX/XXXX, XXXX XX/XX/XXXX, and also not on my XXXX credit report. 

XXXX account is only my XXXX credit report. It is not reported on Transunion or XXXX report. 

XXXX was a credit card that I had however I paid off the account and its a closed account. Not sure why its only on my XXXX credit report and also why its a hard inquiry.
Consumer complaint received 2022-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (AR)

I have requested a written notification that was sent by certified mail on XX/XX/2022 disputing debt. I have requested ( I.Q. Data International services ) to provide me with verification of debt. However, I received an alert on XX/XX/2022 from all credit bureaus on a collection account on my credit report. I.Q. Data International has given me a date of XX/XX/2022 to dispute the debt. However, when I called I.Q. Data International and spoke with XXXX XXXX agent ) he was very rude and didn't attempt to research my request. According to XXXX the company does not see a dispute letter on file. However, I have proof that the letter was picked up from the post office on XX/XX/2022.
Consumer complaint received 2020-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've disputed these student loans for months. These are not my accounts an effecting my credit worthiness. XXXX  has been the only Bureaus who's removed most of them. Please assist me in getting this resolved. I was referred to this site as the last resort to bot getting thing fixed.
Consumer complaint received 2020-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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. DEPTEDXXXX   XXXX {$13000.00} XXXX  XXXX {$1700.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX {$0.00} XXXX XXXX {$11000.00} XXXX   XXXX {$250.00} XXXX  XXXX {$830.00} XXXX XXXX   XXXX {$850.00}
Consumer complaint received 2022-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services (GA)

I RECEIVED A NOTICE FROM LENDMARK STATING I WAS DENIED A LOAN WITH THIR CONPANY. THE IRONY IS I DON'T EVEN REMEMBER APPLYING FOR THIS LOAN. I AM REQUESTING A COPY OF THE LOAN APPLICATION. IF I APPLIED FOR IT IT WOULD HAVE BEEN ONLINE AND NOT IN PERSON. IN ADDITION 1, MY NAME IS XXXX XXXX 2 . THE LENDMARK OFFICE WAS IN XXXX. 
3. SOMEHOW I RECEIVED A DENIED VIA EMAI BUT, NO EMAIL WAS PRIOR COMMUNICATION.

4, THE LETTER CAM IN A BROWN UNOFFICIAL ENEVELOPE WITH NO USPS PROCESSING INDICATORS. 

THIS APPEARS TO BE A SETUP IF I DID NOT APPLY WHICH, I A, SURE. AGAIN MYNAME IS XXXX XXXX , I DO FEEL THIS IS ANOTHER PART OF A RING BACKTRACKING TO BUILD A ID THEFT CASE AFTER THE FACT. 

AND THE DATES OF THE COMMUNICATION DOESNT MAKE SINCE. APPLY EARLY XXXX JUST GOT LETTER??? 


INTERESTING TIMING DUE TO THE REPORTS WHICH WERE FILED OVER THE LAST 2 WEEKS BASICALLY CONFIRMING THE ID THEFT,
Consumer complaint received 2022-07-01
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. (NJ)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate.They never did a fair investigation according to the 15 USC 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to:15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions According to : 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 2022-06-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (CA)

I receive a letter from Collection Agency Radius Global Solutuins LLC Rduiuse Solutions number XXXX This is NOT my Account with that email address.. I called customer service at ( XXXX ) XXXX I tried to remove or cancel they still want to collect XXXX dollars... 


Thank you! 

why I'm paying something is not my
Consumer complaint received 2020-05-22
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: Exeter Finance, LLC. (FL)

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to EXETER FINANCE CORP to get the inquire removed but, they haven't resolved the matter.
Consumer complaint received 2022-07-01
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-01
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: Experian Information Solutions Inc. (AL)

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 1666B : 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 2020-05-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc. (MN)

this collections agency valeted the HIPPA law act I demand that the following accounts be removed immediately Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Consumer complaint received 2020-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (GA)

Hunter Warfield has placed a collection debt on my credit profile for a apartment complex, the social used for the apartment is not my social as well as I never received written notification of debt, I tried to dispute directly with XXXX  but came back as verified not sure how when its two completely different social security numbers.