davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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. (WI)

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 XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. states I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I decided to get my credit pulled due to a 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF ED/XXXX Company Inquiries : 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 2024-09-15
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. (IL)

I have reviewed a copy of my credit report and identified multiple inaccuracies and unauthorized inquiries. These discrepancies have significantly impacted my financial well-being and credit health.
Consumer complaint received 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern : I received notification from monitoring my credit reports that the following creditors, without authorization or permissible purpose, fraudulently obtained my credit reports. Without my authorization this information you are reporting was not solicited by me at anytime and therefore is not of any fact and the data you are falsely reporting is fraudulent in nature and inaccurate. 

Utilizing the respective statutes under the Fair Credit Reporting Act, I am citing its respective sections within the act to ensure your company reports my data accurately and with all fairness to my credit report. I am requesting that you suppress and block the information that is currently reporting by deleting its reporting. Please see below the string of creditors and dates disputed. 

XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX  XX/XX/XXXX By finding the lack of permissible purpose initiated by the respective creditors, as required by law, I request you investigate and complete your investigation by removing the solicitations/inquiries off my credit. Please place a fraud alert on my file to prevent further reporting and add my telephone number. 

I respectfully request a copy of my updated results and credit report. Your attention is requested and appreciated in correcting my information. 


Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (IN)

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 XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : DEPT OF EDUCATIONXXXX  # 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 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 2021-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Mailed the letter to Transunion for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave TRANSUNION any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment
Consumer complaint received 2023-04-21
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. (VA)

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 has violated my rights. Or a 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 an 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 or 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 2021-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (IN)

Last year around the XXXX time frame, Binance sent me an email stating I had one week to verify my account due to not being able to service me anymore since I live in the USA. I was not able to do that due to the verification process not allowing me to select USA as a country. 

Now, i can not transfer my money out of Binance to either myself or to BinanceUS ... which is their partner in the USA that handles crypto transactions. Binance and BinanceUS will not respond to my unique issue and my money is stuck and I was never able to get the opportunity to get it out.
Consumer complaint received 2023-04-21
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. (TX)

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 XXXX XXXX XXXX. 


Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account name : 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 2023-03-08
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Subject : Request for Investigation of Experian for Willful Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) investigate Experian Consumer Services for what I believe to be willful non-compliance with the Fair Credit Reporting Act ( FCRA ). This non-compliance has resulted in a violation of my federal rights, causing me significant distress. 

On XX/XX/year>, I sent a dispute to Experian Consumer Services regarding a fraudulent account appearing on my credit report. The dispute was sent to : Experian Consumer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX The dispute was sent via certified mail with tracking number XXXX and was received by Experian on XX/XX/year>, at XXXX AM. 

Despite my detailed dispute and previous attempts to resolve this issue, including filing a complaint with the CFPB on XX/XX/year> ( XXXX XXXX. XXXX ), I have not received a response. The company in questionXXXX XXXX XXXX XXXX, has not responded to my CFPB complaint, and Experian has failed to conduct a proper investigation of the disputed account. 

This fraudulent account, which is associated with Account XXXX XXXX, is being reported inaccurately on my credit report. I have also filed an FTC report ( Report XXXX. XXXX ) regarding this issue. However, Experian has yet to provide any explanation of how they conducted their investigation or how they verified the legitimacy of this account.

I am deeply concerned about the validity and accuracy of Experians investigation process. The lack of response and proper validation from both Experian and the reporting company constitutes a violation of my rights under the FCRA. This has caused me severe emotional and financial distress, including loss of sleep, for which I have had to take sleeping medication. 

I respectfully request that the CFPB take the following actions : Investigate Experian Consumer Services for willful non-compliance with the FCRA. 
Demand the immediate deletion of the fraudulent account ( Account XXXX XXXX ) from my credit report. 
Ensure that Experian provides a notarized affidavit confirming that the information reported is accurate and that their investigation was conducted in compliance with the FCRA. 

Please note that this is my final attempt to resolve this matter before pursuing legal action. 

Enclosed are copies of my dispute letter, the FTC report, and the CFPB complaint details. I trust that the CFPB will take swift and decisive action to address this serious matter. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2021-10-26
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: Medical Data Systems, Inc. (FL)

I have contacted this company several times along with XXXX to have this account removed from my credit report. They ask me to contact XXXX to have the notations removed which I did. I have attached the letters provided to me that assured me that this would be removed from my credit report. It is not my responsibility to correct this issue but in still have been given the run around by both Medical Revenue Service and XXXX. It has been over a year going into two years and this is still on my credit report. This should not be a dispute at this point it should be removed.
Consumer complaint received 2021-04-02
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)

There is one account that is on my credit report that is not mine I have been trying to let the bureaus know that this is not mine and nothing has been done. I have opened an FTC report regarding this and nothing yet. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I just received a collection notice as to a XXXX credit card to which I never owned. It is not on any of my credit reports with XXXX XXXX or XXXX ... .. they are saying the balance is {$1000.00}. 


I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I've disputed already and information was updated but they have no records from XXXX then put a Charge off at the end of XXXX ... .. this is impacting my credit score. This account was paid in full ... .. I need the charge off to be corrected. My account was in great standing as long as I had the account.
Consumer complaint received 2021-04-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sa-Vit Enterprises, Inc. (PA)

I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally *Copy of Signed HIPAA form This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MA)

My husband transferred XXXX XXXX from his XXXX account in XXXX using the correct account number, name and address of an XXXX Checking account on XX/XX/XXXX. 
The funds didn't arrive for some XX/XX/10 days. 

After contacting XXXX they informed me that their checking account can not receive international transfers and the SWIFT code used in his transfer was for receiving international transfers to their brokerage account. E-trade use Well 's Fargo as an intermediary for international transfers - so the XXXX used for the transfer was Wells Fargo 's. 

XXXX informed me that I should ask the sending bank in XXXX XXXX XXXX XXXX to send through the XXXX of the SWIFT transfer for them to track the transfer, which was then sent to them on XX/XX/XXXX. After following up on XX/XX/XXXX, XXXX said there was no information on the XXXX that identifies XXXX as the intended beneficiary bank - my husband hadn't included a routing number. 

XXXX then told me to ask the sending bank to recall the transfer as it's probably stuck at the intermediary bank XXXX Wells Fargo XXXX. The sending bank ( XXXX XXXX tried to recall the funds but was unsuccessful - they said we need the beneficiary 's approval. But as the intended beneficiary is me, and I didn't receive the funds in my E-trade account, there is no one to seek approval from. 

The sending bank have said they have done all they can & E-trade have also said they can't talk to Well 's Fargo because there is no identifying code on the XXXX for XXXX. 

So the funds appear to be credited to an account that is not the intended recipient and the intermediary bank is not willing to return back the funds to my husband. 

Hoping that with your help there will be some resolution to this. 
I've included the XXXX with the account number removed showing the XXXX XXXX of Well 's Fargo.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 I submitted a 30 day comply letter to Transunion in regard to three fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX  ) on my report. Attached was a copy of an Identity Theft Report filed through the Federal Trade Commission. Transunion 's lack of consideration for this issue is unacceptable and I demand an immediate removal of the fraudulent accounts.
Consumer complaint received 2021-04-02
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)

An account has been showing up on my credit report that does not belong to me. I have been sending out disputes for this one account and nothing has been happening. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account
Consumer complaint received 2021-04-02
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. (CA)

An account has been showing up on my credit report that does not belong to me. I have been sending out disputes for this one account and nothing has been happening. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (FL)

On XX/XX/17 I received a loan with a finance company XXXX XXXX, my loan amount and length of agreement were {$410.00} for XXXX months. On XX/XX/XXXX my account was closed and paid in full, then I began to receive calls from a company I never hear of, this company was charging me a monthly fee on this loan that was already paid for, they also took possession of my vehicle and sold it at auction way below the price. I have bank statements, copy of my report stating it was payed, I have also made wire payments because they refuse to take bank or credit card payments. Please help this company is ruining my credit with false collections, its inaccurate information, they wont provide me with any informed, paperwork. According to this company they bought my account and didnt now it was paid
Consumer complaint received 2022-07-29
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. (NV)

I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report.Please find the ATTACHED FTC REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.