davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
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. (PA)

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 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX # XXXX # XXXX # XXXX Account name : XXXXXXXX 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 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 2024-10-23
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: EQUIFAX, INC. (KY)

Request for Removal of Unauthorized Inquiries Under Section 1681b of the FCRA Dear : My name is [ your full name ]. I am filing a complaint regarding unauthorized credit inquiries appearing on my credit report in violation of Section 1681b of the Fair Credit Reporting Act ( FCRA ). 

The inquiries that I do not recognize or authorize are : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX equifax XXXX XXXX equifax XX/XX/XXXX XXXX equifax XX/XX/XXXX I am requesting removal of these inquiries and an investigation into their legitimacy. 

Thank you for your prompt attention
Consumer complaint received 2022-11-08
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. (GA)

Misspelled Name ( XXXX XXXX ) { XXXX, XXXX, ) Dispute ignored and put back on my account Consumer Financing reported on my account should not be XXXX bill that reported on my account which I never lived at the address reported They have incorrect and outdated information This incorrect information is causing me to reflect a inaccurate credit score causing me to get denied when I should be approved
Consumer complaint received 2022-11-06
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)

It appears that several items were not update & false information continues to report via Credit Report Bureaus. I've reported that Late payments listed on Accounts are inaccurate, due to being a certified victim of ID/Credit theft & Tax fraud XX/XX/2022 XXXX. Unfortunately, several items remain erroneously reporting and adverse penalization is continuing to harm me as a consumer due to these misreportings. 

XXXX is still being charged to Remove Late payments on All Accounts from XX/XX/2022 - Mark No Data ( is acceptable ) instead of Late. As my personal information and privacy were breached during this breach & the information in those reporting is accurate. 

I've provided verification with IdentityTheft.gov reports, Police Department Report, Attorney General 's Verification of Fraud Victimization and am seeking necessary steps to ensure the bureaus are held accountable to honor what the experts with Fraud Departments at IRS, Police Department, Attorney General, XXXX XXXX XXXX XXXX and other Fraud Agencies are too. 


NRS598C.110 & NRS 598C.160 both touch on the responsibilities of Credit Reporting Bureaus/Agencies and their fiduciary - Duties to uphold pertaining to the rights of consumers having accurate information on file for them.
Consumer complaint received 2022-11-06
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. (TN)

I sent a letter out on XX/XX/2022 to Transunion. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

During XX/XX/2022 a XXXX transaction was attempted and blocked in the amount of over {$3000.00}. The record of the transaction was removed from my account. 

On XX/XX/2022, an unauthorized transfer was made in the amount of {$1900.00} was made. As a result, after reporting the fraud Bank of America froze my account and opened a new account. 

Subsequent to closing my account numerous checks bounced as well as scheduled electronic transfer were blocked too. 

Bank of America said it would take up to 120 days to resolve to the issue.
Consumer complaint received 2022-11-06
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. (GA)

There are several credit accounts open on my report that I did not authorize including a loan that is now in collections or default. My identity was compromised and I have filed a police report, reached out to the companies and the credit bureaus and still nothing has been done. I am a single parent and these derogatory remarks are keeping me and my daughter from getting a home. These acounts include two XXXX XXXX cards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There has also been attempts to get new credit and there are hard inquiries on my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX There are unknown address on my reports as well as name misspellings that need fixing.
Consumer complaint received 2019-08-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OH)

I had a 401k retirement account through my employer managed by Wells Fargo in XX/XX/XXXX the company filed for bankruptcy and I was laid off. I submitted a direct rollover of the full amount to a new XXXX IRA with a different financial institution which was completed on XX/XX/XXXX and showed my account as having a balance of {$0.00}. On XX/XX/XXXX I received a check for {$1.00} the statement saying this was a direct rollover - termination benefits and a balance of {$0.00} I mail this to my new financial institution to be deposited into my new IRA. On XX/XX/XXXX I received a check for {$2.00} saying direct rollover - termination benefits because the amount increased and because I am receiving another check I call Wells Fargo retirement services and speak to someone who informs me this is a residual balance and my account balance is now {$0.00} and I will not receive any more checks, she can not explain why this is the second check I have received or why the amount has increased. I once again mail the check to my new financial institution to be deposited into my new IRA. On XX/XX/XXXX I receive a check for {$0.00} I call again and inform them I want my account closed and am told the same thing this is a residual balance because I picked aggressive options for the market, but that my account is showing a {$0.00} balance and I should not receive any more checks. I do not mail the check because the stamp and envelope cost me more than {$0.00} to mail it. Now with a check data XX/XX/XXXX I have received {$10.00} this has been over one year now that my account was supposed to be closed. I called again and am told again this is a residual balance they just keep repeating that this is a residual balance. I say that I want my account closed they say that this is because of the market and it is out of their hands. They did say they would submit a request for an investigation and that a person would look at my account and let me know if I will be getting any more checks. This is not a solution I just want my account closed.
Consumer complaint received 2023-02-13
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. (GA)

Equifax is in violation of 15 U.S.C 1681g. Equifax fails to expressly verifythe Account Type as an Individual account that could confirm this is my account that was executed in solely my name as an individual to appear on my Individual Personal Credit Report as an Open Account.My credit utilization rate is being impacted by a Business Account that should not appear in my Personal Individual Credit Report being reported as an Open Account by me Individually. Not even citing Joint with a Business nor any Business Account acknowledgment. 

Equifax responded around XX/XX/2023 that thetrade '' XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, ACTUAL PAYMENT, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, ACCOUNT HISTORY. '' The information modified and updated is incorrect, inaccurate, and false being reported on my Individual Personal Consumer Credit Report.XXXX XXXX XXXX is incorrectly and inaccurately reporting a Business auto loan for the purchase of a XXXX XXXX XXXX XXXX in my personal and individual name on my Consumer credit report. The auto loan contract originated in the name of a Business and not an individual. I am not the Individual solely responsible for the account as being reported on my personal consumer credit report. THIS IS NOT AN INDIVIDUAL ACCOUNT AS BEING REPORTED. 

Evidence of the purchase and sale contract ( retail installments ) will validate that this account is a Business account for the auto loan and not an individual Consumer loan. Therefore this Business account should be removed from my personal Consumer credit report because the auto loan account is in the name of a Business account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX completed registration for the XXXX XXXXXXXX XXXX XXXX in the name of a Business and NOT AN INDIVIDUAL ACCOUNT. The Account is registered to a BUSINESS AND NOT ME INDIVIDUALLY. The registration of the vehicle is in the name of a Business and not in the name of an individual consumer.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-11-06
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. (CA)

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 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 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 2024-10-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

AFTER REVIEWING MY CREDIT I HAVE NOTICE A COLLECTION ACCOUNT POP ON MY CREDIT. THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). IF YOU DO NOT CEASE COMMUNICATION A LAWSUIT WILL BE COMMENCED AGAINST YOU. THE COLLECTION- ( FAIR COLLECTION & OUT ) XXXX DELETE FROM XXXX, XXXX AND EQUIFAX
Consumer complaint received 2022-11-06
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX account number *** XXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Us Department of Education account number XXXX has violated my rights. 
Department of Education account number XXXX has violated my rights. 
XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX account number XXXX has violated my rights. 
XXXXXXXX XXXX XXXX account number XXXX has violated my rights. 
XXXXXXXX XXXX account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX  account number XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX has violated my rights. 

15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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.

15 U.S. Code 1681s2 ( E ) ( i ) ( I ) ( II ) States I have the right to ask that a financial institution remove a default from my consumer report if the financial institution offers a rehabilitation program which requires me to make consecutive payments in a renewed and willingness ability to pay. Notwithstanding any other provision of this section, a consumer may request a financial institution to remove from a consumer report a reported default regarding a private education loan, and such information shall not be considered inaccurate, if the financial institution chooses to offer a loan rehabilitation program which includes, without limitation, a requirement of the consumer to make consecutive on-time monthly payments in a number that demonstrates, in the assessment of the financial institution offering the loan rehabilitation program, a renewed ability and willingness to repay the loan ; and the requirements of the loan rehabilitation program described in subclause ( I ) are successfully met.
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (CT)

I have tried countless times to have all three bureaus understand two items. XXXX XXXX XXXX charge off was 7 yrs ago and I paid the account In Full as the check noted. Over 5000 dollars. 
Second I have one student loan payment. They are reporting late payments as x10 for each loan that the payment is disbursed across. This is absolutely ridiculous and unfair and no one seems to care at all.
Consumer complaint received 2022-11-06
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-06
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-11-07
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Consumer complaint received 2022-11-06
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. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.