davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
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. (AZ)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-05-16
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
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. (AZ)

Ive been trying to dispute these accounts in several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$600.00}
Consumer complaint received 2023-05-15
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. (CA)

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 and 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 2018-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I filed a chapter XXXX bankruptcy in XX/XX/2008. I had interest in an XXXX at the time. I disclosed this information in my original filing. The Court erroneously filed my chapter XXXX bankruptcy without including that information. The court dismissed the original bankruptcy filing, and then refiled the case under a different case number to add my interest in the XXXX instead of amending the original filing. My credit report shows I have two bankruptcies filed in XX/XX/2008. I have contacted the credit reporting agencies to have the erroneous filing removed, and provided proof from the court of their error but they refuse to remove the erroneous filing from my credit report.
Consumer complaint received 2023-05-16
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-15
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. (NC)

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. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (KY)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX, Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry XXXX : XX/XX/XXXX ACCOUNT NAME, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Trans Union, Experian, Equifax ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-16
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 Report Act, this creditor, XXXX XXXX  has violated my rights. Under, 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.Code 1681 section 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.Code 1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Consumer complaint received 2023-05-16
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: BMO Bank, N.A. (CA)

I only owned one credit card in my whole life. I have no history of late payment or no debts. My credit score was XXXX. In the end of XX/XX/2022, Bank of the west sent me a new card after my credit card got fraud charge. Then, Bank of the west made error, changed my card/account last name to XXXX without my consent or any sort of verification process. I called immediately on the day I received credit card that the card wasn't working, and the last name is wrong. Ever since, I visited Bank of the west 3 times and must had called them 7 times 3 weeks apart. I requested to fix the error and give me a letter admitting their error. They had to close my account to change my name back to XXXX and my credit score went down to XXXX due to the account closure till they sent me a new card and reopened the account about 3 weeks later. I requested the proof of their error written in letter so that I can submit it to credit burau to fix my credit score. Bank of the west representative stated they started investigation more than 30 days ago. I heard that at least 3 times from different representatives over 5 months. They never called me back. I called them multiple times, they have made no progress, in past 5 months. My credit score remain XXXX. 

Please help me to get the investigation letter and proof of their error from bank of the west. I desperately need to fix credit score to buy a condo. Thank you very much.
Consumer complaint received 2018-12-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Business Bureau (IL)

Collectors Name : MEDICAL BUSINESS BUREA Account Info : XXXX Creditors Name : XXXX XXXX  Open Date : XX/XX/2014 Balance : {$520.00} Debt : {$520.00} Contact Info : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc (AZ)

THIER WERE 3 CHARGES 2 OF ITEAMS XXXX HAVE NOT BEEN RETURNED TO ACCOUNT STATED AT XXXX XXXX XXXX WAS THE FINAL AMOUT THEY WERE TO SEND ME STATEMENT SHOWING WERE MONEY WENT NEVER GOT THEM PAY PAY I GOT A WORKMAN COMP SETTLMENT DEPOISTED IN TO PAYPAL MY NAME SS NUMBER DRIVERS LICENSE IS ON THE ACCOUT IT ALL MY MONEY AND ACCOUNT
Consumer complaint received 2023-05-16
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. (MO)

I am being charged for something and it is fraudulent! I have NEVER had XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, Minnesota XXXX phone ( XXXX ) XXXX The amount is for {$710.00}. It does not have the dates the account was supposedly opened. 

Please remove this as soon as possible.
Consumer complaint received 2023-05-16
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. (NJ)

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 XXXX XXXX, Account name : XXXX XXXX, ACCOUNT XXXX XXXX, Account name : 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 2023-05-15
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquired on XX/XX/2022.
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (UT)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (TX)

its a bunch i have hard inquires on here that was not done by me i called tried to dispute online nothing credit is still the same.. 

Also its address that are not mine on there as well as a ss number thats not mine on there as well... 


XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX  {$150.00} XX/XX/XXXX XXXX XXXX {$370.00} XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX i have 23 inquiries that i did not do nor authorize to be done on my behalf.. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

All three credit bureaus are in violation of 15 US CODE 1681 N Transunion placed XXXX unauthorized credit inquiries on my credit report. 
XXXX placed XXXX unauthorized credit inquires on my credit report. 
XXXX placed XXXX unauthorized credit inquiries on my credit report. 

Affidavits of truth were mailed on XX/XX/2023, pending response.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The following bureaus placed unauthorized hard inquiries on my credit report violating code XXXX5 US Code 1681b. 
XXXX - 2 hard inquiries XXXX - 8 hard inquiries Transunion - 17 hard inquiries XXXX XXXX of truth were mailed on XX/XX/2023 pending response to all three credit bureaus.
Consumer complaint received 2018-04-26
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: Credit Karma (CA)

I received an email from CreditKarma alerting me that a credit inquiry from XXXX had been ran using my name, address, and social security number. I do not have any accounts with XXXX. I disputed the inquiry with CreditKarma and left it alone. Later, I got the " confirmation '' letter in the mail, however it was in XXXX, and I do not speak XXXX, so I knew that someone had tried to commit fraud. I called XXXX and reported the fraud, and they told me that they would handle the situation. However, as of today, the inquiry is still showing on my XXXX and is bringing my score down into the yellow. I want the inquiry removed from my credit report.
Consumer complaint received 2023-05-16
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. (IL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-15
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. (IL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-15
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: JPMORGAN CHASE & CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CT)

To whom it may concern, I am writing you to talk about what happen on XX/XX/2023. My chime account was hacked they were able to access my account and send money to another account. The amount was XXXX dollars. I called chime immediately to stop the transaction. Not only did they not stop the transaction they also havent refunded me my money
Consumer complaint received 2023-09-17
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. (PA)

i recently reviewed my credit report and was very shocked to see all these fraudulent accounts and hard inquiries on my credit report that's hurting me to know i am trying to process a home for my family. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX