davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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)

On XX/XX/2021 ( XXXX ) and on XX/XX/2021 ( Transunion ) and on XX/XX/2021 ( XXXX ) add a derogatory mark on my credit report per XXXX XXXX Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX XXXXXXXX. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 
In Accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (CA)

XX/XX/XXXX I requested account be closed due to subprime card interest rates/annual fee of {$99.00}. This card was reported as being paid late, after the closing by consumer request. Account was never late, paid on time since XX/XX/XXXX ( When account was opened ). I paid account in full after several disputes with Continental finance. I completed my end of the agreement, while the company continued to report my payments as late/never deleted negative account status after I paid in full/closed account. This is a violation of the CARES ACT enabled XX/XX/XXXX.
Consumer complaint received 2022-06-22
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. (CO)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 2022-06-22
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. (CO)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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 2022-06-22
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. (KY)

In accordance with the Fair Credit Reporting Act, the companies listed below and account numbers, have violated my rights. 

1

5 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX Account NUmber : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Phone Number ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX Phone Number ( XXXX ) XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX ) XXXX Account Number : XXXX
Consumer complaint received 2022-07-09
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. (OH)

In Accordance with the Fair Reporting act XXXX Account, 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 2022-06-22
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. (KY)

In accordance with the Fair Credit Reporting Act, the companies listed below and account numbers, have 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Account NUmber : xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Account NUmber : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX FL XXXX Phone Number ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX CA XXXX Phone Number ( XXXX ) XXXX Account NUmber : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX ) XXXX Account Number : XXXX
Consumer complaint received 2022-06-22
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: Adler Wallach & Associates, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX and Transunion has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of three FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars.
Consumer complaint received 2022-06-22
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 ; XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX & XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX XXXX-ACCOUNT NUMBER XXXX XXXX XXXX-ACCOUNT NUMBER XXXX 15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

Please delete the following account. They are a violation of my federally protected consumer rights. USC 1681 section 604 section 2 it states a consumer reporting agency can not furnish an account without my written consent. This accounts have violated my consumer rights to privacy and confidentiality under 15 USC 1681.

US Code 1681 a5 no consumer reporting agency may make any consumer report containing any adverse item of information, other than convictions of crimes. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

At the beginning of XXXX my identity was stolen. This person ran my credit about 28 times from all 3 bureaus. Yes, I take accountability for the inquiries I made. However I've been disputing these unauthorized inquiries for many months now, and nothing has gotten resolved. I've written the original creditors and credit bureaus regarding this issue. For many months now I've been getting the run around. I've placed a fraud alert and freeze on my credit file, to prevent anymore fraudulent applications. 
CAPITAL ONE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX. Please help get this resolved or point me in the right direction. Thank you
Consumer complaint received 2022-06-22
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)

TRANSUION is publishing non-compliant account ( s ) on my credit profile and distributing them to 3rd parties and is INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness.
Consumer complaint received 2022-06-23
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account ( S ) ; XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXS SM BUS ADMIN ODA XXXX XXXX XXXX XXXXXXXX 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 2022-06-23
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 XXXX Account ( S ) ; XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX TRANSUNION : XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX 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 2022-06-22
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. (TX)

I've disputed so many times explaining that I have not made any payments to the U.S. Dept. Of Education and/or XXXX since XXXX or XXXX. They are showing that I made a payment as late as of XXXX which is false as I was XXXX most of the year. It has been well over 9 to 10 years since a payment was made yet they are saying I made a payment in XXXX. I've asked the 3 bureaus to make XXXX SHOW RECORDS OF MY PAYMENTS AND THEY WON'T BE ABLE TO FIND ANY BECAUSE I HAVEN'T MADE ANY. I just want the people to stop destroying my life and STOP REPORTING FALSE INFORMATION.
Consumer complaint received 2022-06-22
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Employer : XXXX, AZ XXXX XXXX XXXXt XXXX XXXX XXXX, Arizona XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-22
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. (FL)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and update late payment my from my credit report immediately.
Consumer complaint received 2020-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020, I sent XXXX, XXXX, and Transunion a letter stating that there are inaccuracies on my credit report. Ive requested these items be removed from the creditors.I am a victim of identity theft and these accounts are associated with the case. I have not heard back from them.There are Multiple Student loan accounts on my credit report that are not mine.They are required to give me a response within 30 days and they have failed to do so.
Consumer complaint received 2022-06-22
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: AMERICAN EXPRESS COMPANY (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-23
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: NAVY FEDERAL CREDIT UNION (MD)

My identity was stolen not one but two times in XXXX and again in XXXX. I've called the companies XXXX XXXX Fed, XXXXXXXX XXXX ) to report the fraudulent accounts. Within the years, Ive placed fraud alerts on my credit profiles and every time I dispute these items they still come back as verified and accurate. The credit bureaus recently told me to file an identity theft report with the FTC and they would investigate the accounts and remove them. I did that and again, the accounts came back as accurate and verified. I dont understand how they are verifying this with no proof of ownership of the accounts. I've asked them to send out original contracts with my signature on it and none of the companies were able to furnish that information.. A debt collector even attempted to sue me because of a debt that was fraudulently opened in my name. However, I after I explained to the judge my identity theft incidents and told him that I've continuously asked for the original contract with my signature on it which they were not able to furnish the case was dismissed and the debt collectors removed it from my credit report. This is illegal.
Consumer complaint received 2022-06-22
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: JPMORGAN CHASE & CO. (AZ)

We leased a vehicle from XXXX XXXX which finances through XXXX XXXX, a dba of JP Morgan. The dealer pulled my credit twice and on the same day JP Morgan pulled it. As a result my XXXX  score declined from XXXX in XX/XX/XXXX to XXXX in XXXX. 

Additionally, XXXX XXXX pulled my credit on XX/XX/XXXX even though I have no XXXX XXXX accounts open. 

These XXXX  scores are complete nonsense. I am XXXX of an XXXX XXXX XXXX, have an adequate personal income from employment, and am continually reducing hangover debt balances built up during business startup. 

I note that different lenders use different XXXX algorithms, with JP Morgan consistently choosing an algorithm least favorable to customers. 

There is no reason to have multiple credit reporting agencies making money out of their misconstrued view of my creditworthiness. Lenders should ONLY be concerned with payment record, and mine is perfect. All the rest is simply an excuse to overcharge the consumer.
Consumer complaint received 2022-06-22
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. (GA)

I called XXXX to ask questions and they did ask if I wanted to open an account, I advised to them no. XXXXXXXX XXXX XXXX they called me and asked if I was in the market to purchase a new home, they did ask me a series of questions, not realizing they were doing a hard inquiry not only once it is showing up three times on my report. The Hard inquiries. With XXXX, I am not sure of what this inquiry is for. As for the XXXX XXXX XXXX, I do have an account with XXXX XXXX, but it is for my checking and savings account, I am not sure what the inquiry was for. XXXX XXXX I have no clue. 
All I am wanting is to please have these Hard Inquiries deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX