davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
Product: Credit reporting 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)

Mon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SSN : XXXX | DOB : XX/XX/year> Transunion, XXXX, XXXX To Whom It May Concern : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a follow up to my earlier communication about the following item ( s ) being reported on the credit file listed under my name and Social Security Number : This account is listed as being 30 days late. I have never been late on this account. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 

I am making a final goodwill attempt to have this matter resolved. As such, you must now remove the late payment information and mark the account as paid as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (IN)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-24
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 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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

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 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 XXXX XXXX Experian 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  XX/XX/2021
Consumer complaint received 2022-07-04
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. (NV)

I HAVE TRIED ON NUMEROUS ATTEMPTS TO RESOLVE THIS MATTER WITH TRANSUNION. TRANSUNION CONTINUES TO ACT IN NEGLIGENCE. THEY ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND THEY WILL NOT REMOVE IT. I HAVE SENT OVER SEVERAL LETTERS ASKING THEM TO REMOVE THE ITEMS AND THEY STILL HAVE NOT RESPONDED. SO FAR THEY ARE STILL REPORTING A XXXX XXXX  and XXXX BANKRUPTCY AND AN AUTO LOAN AND SEVERAL FRAUDULENT INQUIRIES. I HAVE ALSO SENT OVER SEVERAL COPIES OF MY FTC REPORT EXPLAINING THE CIRCUMSTANCES AND THEY HAVE YET TO RESPOND.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$310.00} XXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF ED/XXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX DEPT OF EDXXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have submitted XXXX  disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted XXXX  reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting 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)

I have contacted the credit bureaus several times and requested removal and deletion of these accounts and they have not. 
I am writing to formally request that the following accounts be blocked and permanently deleted from my credit report, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The accounts in question are : XXXX XXXX {$1400.00} XXXX, Account # XXXX {$2900.00} XXXX, Account # XXXX {$640.00} XX/XX/XXXXXXXX Bank, Account # XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX {$1600.00} XXXX XXXX New Jersey- XXXX XXXX XXXX Chapter XXXX Bankruptcy/Discharged XXXX XXXX New Jersey- Docket # XXXX XXXX XXXX Bankruptcy/ dismissedXX/XX/XXXX( Bank ) Inquiry XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX, XX/XX/XXXX Inquiry : XXXX XXXX, XXXX In accordance with the Fair Credit Reporting Act : 15 U.S.C. 1681, Section 602 ( a ) This section ensures my right to privacy.

15 U.S.C. 1681, Section 604 ( a ) ( 2 ) This section prohibits any consumer reporting agency from furnishing accounts without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may include any adverse information, except records of criminal convictions, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) This section states that no person may furnish inaccurate information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. 

The listed accounts have violated these provisions, infringing upon my rights to privacy and confidentiality. I am formally requesting that these accounts be blocked and permanently removed from my credit report in accordance with the law. 

Please confirm the deletion of these accounts in writing. Should you require any further information to expedite this process, feel free to contact me directly. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-10-27
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. (MS)

Hello. This is a complaint against all 3 credit bureaus. For the month of XXXX, I received Fico 8 scores XXXX, XXXX, XXXX. For XXXX, these scores have dropped to XXXX, XXXX and XXXX. My mortgage scores went from XXXX XXXX, XXXX- XXXX and Experian- XXXX. With my mortgage scores alone, you can see that at least 2 dropped by 72 points and the other near a XXXX points. I checked to see the reason behind this and 1 payment was reported 30 days past due for 1 account which Im in the process of disputing as inaccurate. There are balance increases on some accounts but nothing that shouldve dropped my score this far below average in the manner that it was dropped. I have reached out to the credit bureaus complaining about the conflicting data that makes no sense to consumers. Myfico will specifically report whats helping my score as excellent payment history and right underneath will put the exact same thing as whats hurting my score. I worked very hard to get my scores up to nearly a XXXX only to watch them drop in a 30 days time so drastically and while I understand it can drop heavily for a late payment, once that remark is removed and it will be as its incorrect, am I going to gain back to points I lost and most likely not. Payment history accounts for 35 % of your score and it seems the bureaus are more focused and still heavily penalize for details on the report that are well over 5 years old but are telling consumers they dont do this. They are specifically stating that you are not impacted as much for accounts that old. The credit bureaus need to be heavily looked into and evaluated on scoring habits and the reasons they use for why they score they way they do as it is seriously starting to look like a system that is meaning to purposely keep a certain class of people from obtaining mortgages etc. And I say this because I was paying to receive my mortgage scores every 3 months and just last month I paid more to receive them once a month instead as Im prepping for buying a house and oddly my scores dropped so heavily, you would think I filed a bankruptcy. Something is definitely not right and its not adding up. I would greatly appreciate someone investigating all 3 major credit bureaus and their habits. I have copies of my constant fluctuating scores. Even when Im hardly using my credit cards, Im dinged. I have even been dinged for paying balances down which I will never understand that one and when I spoke to the bureaus about it, their response was it will go down first and then come back up. So we as consumers lose points that we wouldve otherwise had because the score is not raised by as many points as they take away obviously. The credit bureaus need to be heavily looked into and evaluated and I hope this can happen. Thank you for your time.
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole  responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2020-06-29
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My husband and I recently applied for a loan for a co-op. Upon checking our credit scores, they informed me I have an account that was sent to a collection agency, Portfolio Recovery Associates , LLC. I called them and they informed me that I have an account opened with XXXX XXXX, XXXX credit and I have incurred charges in the amount of {$2200.00}, which was never paid and was eventually sent to them for collection. I informed them I never opened a credit card with XXXX, I do however have an account with XXXX, but that is linked to my bank account and XXXX XXXX card, but it is not a credit card. Furthermore, the email address listed for the account is not associated with me and the mailing address they used, I had not lived there in over twelve years and my parents have not lived there in the past six perhaps seven years. Additionally, the account opened in my name is in my maiden name, I have been married since 2018 and my last name has been changed. I spoke with several representatives at Portfolio Recovery Associates , LLC, who informed me they will open an investigation into my account for fraud. 

I also called XXXX XXXX  and XXXX ; and informed them as well. I gave them the same information as I did with Portfolio Recovery Associates , LLC. The representative I spoke with at XXXX informed me they do not see any credit cards opened in my name for them. The representative for XXXX XXXX, however, stated they will open an investigation into my account for fraud.
Consumer complaint received 2022-09-21
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. (TX)

I contacted trans union about an incorrect item for child support from the state of Louisiana thats on my credit report because O dont have a child support case in Louisiana . I have two in Texas but the left it on my report showing 155 months plus of missed payments. When my payments are deducted from my paycheck weekly by my employer.I contacted them in XXXX of 2021 and I had no results. I contacted XXXX also and they removed the account from my credit report.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On or about on XX/XX/2024, company Bank Of America has violated 15 usc 6802. I did not consent nor have i ever AUTHORIZED to disclose my personal information to nonaffiliated third party. This has caused me significant harm and ive been financial damaged which for reason for this dispute. Bank of America can not and will provide any proof to me the consumer with disclosure that such information may be disclosed to such a third party. Finally I the consumer XXXX XXXX was not given the opportunity to direct the institution not to disclose my personal information without my authorization. 

Finally I am ordeing institutions to remove all negative experiences, that mean late payment, credit inquirys and etc. That is a blatant violation of 15 usc 1681a. Credit utilization is EXCLUDED from the consumer report as well as late payments. 

AUTHORIZATION TO DISCLOSE WAS NEVER AUTHORIZED. PERMISSSION WAS NEVER GIVEN!!!
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

Derogatory info was reported to credit bureaus by Wakefield and Associates, collection agency. Wakefield never tried to contact me as the original provider didn't either regarding a bill for {$150.00}. I immediately contacted them when I discovered this. XX/XX/20 I talked to XXXX and paid the amount on the phone with MC credit card, ( confirmation # XXXX ). Received a text from my M/C confirming payment. Told I would receive a confirmation letter in XXXX days. XX/XX/20 XXXX told me letter had not been sent and she would send it. XX/XX/20 XXXX told me that the letter had been sent on XX/XX/20, but a deletion letter had not been sent to credit bureaus and he would send it. XX/XX/20 XXXX told me confirmation letter was sent to me and deletion letter sent to only one bureau because they all share info. XX/XX/20 XXXX  said they received the deletion and had applied it to my report. However, XXXX  and XXXX XXXX, have not received such info. And told me that the bureaus do not share info. My XXXX XXXX score has plummeted from XXXX to XXXX 113 points! As of today, XX/XX/20, I still have not received even a confirmation letter and 2 bureaus have not been notified. Ironically collection agencies harass people by phone endlessly yet they never contacted me by phone, I've had the same phone # for nearly 20 yrs. They just reported a delinquent account. XXXX XXXX  score is excellent and I have worked hard to maintain it. I am furious. These people seem to think this is some kind of welcome package from a spa that I haven't received. I am looking for a new place to live this month and XXXX  XXXX  score severely impacts my ability to find housing.
Consumer complaint received 2020-06-29
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: Experian Information Solutions Inc. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2020-07-03
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: EQUIFAX, INC. (FL)

I sent out letters certified over 45 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding to this request in a timely manner.