davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
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. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXXXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-29
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. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (SC)

I sent this to Experian and they have yet to delete it. I have sent them my SSN and utility bill and also birth certificate in the past. They refused to delete these wrong names, addresses, and employment history. They told me on the phone that It was reported by collectors or third parties rather than myself. That is in violation of the FCRA and I am tempted to sue if this is not resolved. I am keeping a paper trail. Why is it that Experian is refusing to delete this simple information when XXXX and XXXX will?? 
Something is seriously going on illegal with Experian and I am going to let every agency know!!!! 

remove innacurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL OTHER INACCURATE INFORMATION Delete these addresses : XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sc, XXXX remove employers that are innacurate : XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXXOn XX/XX/XXXX an account was opened with XXXX XXXX XXXX XXXX with me as a cosigner to this auto loan. 

XXXXThe respective owner of the car made payments from XX/XX/XXXX - XX/XX/XXXX. 

XXXX. The account was deemed 30 days late on payment on XX/XX/XXXX, followed by a " XXXX '' status from XX/XX/XXXX - XX/XX/XXXX, then to a " XXXX XXXX '' status from XXXX Current. 

XXXX. On the first week of XXXX of XXXX, I had received a letter from XXXX XXXX and XXXX, a law office representing said company reaching out to me to with a claim that XXXX XXXX XXXX filed against me. 

5.Assuming, they reached out to both me and the primary account holder to get the debt taken care of, I believe I was the only one to reach back out to actually settle the account.

6. With the negative impact this account made on my creditworthiness as an individual all around, I contacted the law office back and we've come to an agreement to settle the account for less than what it was owed from {$3500.00} down to {$2600.00}. 

XXXX. I set up an online account to pay {$74.00} monthly for 36 months to satisfy the account. I however took 10 months to satisfy the debt and pay it off. The date of the last payment was XX/XX/XXXX to which I made a call to the law office in the amount of {$1800.00}. 

XXXX was informed that a letter of satisfaction would be sent to me and expect to receive it within XXXX business days. When that was not the case and did not receive said letter within the allotted time frame, I had to contact XXXX XXXX and XXXX again to request the letter be sent out to me. I finally received the letter with it dated on XX/XX/XXXX. 

XXXX. Now I have been trying to contact XXXX XXXX XXXX in regards with them still reporting the account with a balance, when it was obviously settled and paid, it should've been closed on their end with a {$0.00} balance. Every time i call them, I get transferred to their XXXX department, where even then they still have limited information on how they can help me. They say i should receive a " call '' from their attorney, but I still have not received any kind of contact from them.
Consumer complaint received 2016-02-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland funding is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. This single account violates several laws including but not limited to FCRA XXXX U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section 806. The account was for XXXX XXXX XXXX XXXX / XXXX. I paid XXXX off many years ago. I contacted Midland and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX. That is false.
Consumer complaint received 2023-11-28
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

There is a XXXX account opened on my report that I paid the remaining balance on when I closed the account almost 8 years ago that is showing opened as of XXXX 2013 which I in no way opened or reopened that account I have been a XXXX customer for three years. I do n't know if this is attempt to recollect money or what.
Consumer complaint received 2023-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to bring to your immediate attention a matter of great concern regarding the persistent inaccuracies on my credit report despite multiple attempts to rectify the situation. I am seeking your urgent assistance to expedite the correction process and ensure the accuracy of my credit history without further delay. 

I have submitted dispute to rectify the inaccuracies on my credit report, but regrettably, these issues persist. This ongoing situation is causing unwarranted stress and adversely impacting my creditworthiness, which is of paramount importance to me. 

I have attached supporting documentation, including previous dispute submissions and any relevant evidence, to facilitate a swift resolution. 

I understand the importance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports and the obligations of credit bureaus to promptly address disputes. In light of this, I am requesting your immediate intervention to expedite the correction of these inaccuracies. 

Considering the multiple unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the correction process, and take immediate action to resolve these matters. I expect regular updates on the progress of the correction and removal process. 

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure their swift correction on my credit report. 

Timely resolution is crucial as it directly impacts my ability to make informed financial decisions. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$29000.00}.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

The account is not mine and I asked them to validate the debt with the original contract and they did not provide me with the original contract as requested. I am not liable for the debt with XXXX ( Account # XXXX ). It is noted that the debt was charged off/written off. According to USC 15- 1681 and USC 15-1692 It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
Supposed date opened XX/XX/20XXXX XXXX
Consumer complaint received 2024-08-22
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: ENCORE CAPITAL GROUP INC. (TX)

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 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

as of XXXX there was a hard inquiry on my TransUnion credit report under my previous name ( as I remarried last year ) and used a previous address back in XXXX. I never Authorized this. The company 's name is XXXX XXXX XXXX XXXX ( credit card company ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i reached out to them on XXXX XXXX XXXX XXXX spoke to a lady named XXXX in customer security fraud dept. In order for her to look up my acct she needed to have my whole ss # ( as it couldn't be found under the last four digits ) which i was so scared to do so but wasn't sure what else to do. she found it the application ID # XXXX she said she marked this as fraud and would send TransUnion a letter to remove the inquiry which would take 30 to 45 days. However when i spoke to TransUnion they told me to asked for a deletion letter. As i asked for this she refused to send me any confirmation of this being a fraud case. Transunion did however put a security freeze and fraud alert on my credit report. Now i have another issue. I have sent TransUnion all the necessary paperwork ( cert. mail ) to change my address, last name, and remove the hard inquiry ( copies of DL, SS # that has my correct name and address ) also 2nd form of Proof of Address, XXXX  Lic, IRS tax paper and Identity Theft Report ) on XXXX i spoke to TransUnion at XXXX ( Ash special handling supervisor ) They refuse to change my address because i sent documents ( a doctor bill and IRS tax paper ) with a date on it XXXX with new address and they said that's to old they also will not change my last name because my court certified marriage license does not say my new last name ( even though my drivers license and ss # does ) they asked me to call the court house to get some kind documentation on name change. The clerk chuckled and said we do not do that and the clerk said apparently TransUnion doesn't know what they are doing. Also he said my Identity theft report was not signed or dated ( it is and there is also a FTC report number on it ) there for i cant not dispute the hard inquiry. So now I am at lost of how to handle this. i do not have a scanner to send any documents
Consumer complaint received 2023-11-29
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. (NY)

I have inquiries on my credit report that are false and did not come from me. I have inquiries from the following that I did not inquire about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KS)

I had a XXXX which was an XXXX. I opened a BUSINESS credit card account with XXXX XXXX XX/XX/XXXX. The business never made much money and I decided to shut the corporation down XX/XX/XXXX. I closed as many credit lines as I could by paying for them out of my personal income. There were XXXX credit lines still open that I could not pay right away until I paid more of my personal debt off to get more cash flow. I will have to pay the accounts eventually from my personal income. However, as soon as the BUSINESS credit card for XXXX XXXX went past due for 60 days, XXXX XXXX reported the NEGATIVE only information to the credit bureaus under my social security number. I have confirmed that the XXXX number for XXXX XXXX is on the account record and is accurate. I was told by XXXX XXXX that their policy is to report ONLY NEGATIVE information under the primary and secondary business owner 's social security numbers as well as the business credit bureaus under the XXXX. I believe this is wrong, unethical and may be illegal. I believe this is an attempt to circumvent the laws governing a separation of personal and business debt. Also, it shows that XXXX XXXX 's intention is to cause harm to the personal financial reputation and not to assist in collecting the debt. The fact that ONLY NEGATIVE information is reported under the owner 's social security number AND to the consumer credit bureaus is vindictive business practices designed to destroy the financial reputation of the business owner instead of the business ' financial reputation instead. All business debt should only be reported to business credit bureaus and completely separated from personal debt. The credit bureaus should not be allowed to report business debt on personal credit reports especially in the case where legal means have been used to isolate business and consumer debt for example in the case of a XXXX etc. XXXX XXXX 's current policies ignore the laws governing the formation of these legal entities under the law. The way I am impacted is that I have lost thousands of dollars in the business failure. By XXXX XXXX damaging an otherwise pristine personal credit record, I am not able to sell my house and get a lower costing mortgage which would help me pay back XXXX, XXXX 's debt. My personal credit bureau scores do n't allow me to re-finance the debt or allow me to maneuver to find a solution to repay the debt. So, in reality, XXXX XXXX 's behavior and policies are damaging to the economy, the banking industry, the mortgage industry, business financing, and shows a vindictive intent to destroy the personal credit of the business owner. This behavior should be outlawed.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX 2015 I was shopping for a car and have several hard inquiries on my credit report. The shopping was done in two days and I have XXXX hard inquires on my credit report which are affecting it negatively. 

On XXXX 2015 I was shopping for a personal loan and have XXXX hard inquiries on my credit report. The shopping was done in 1 day and I have XXXX hard inquries on my credit report which are affecting it negatively.