davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
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. (VA)

I am writing to formally address an unauthorized credit inquiry made by your company, which I discovered while reviewing my personal credit report. The inquiry in question was made without my consent or authorization, and I did not authorize anyone employed by your company to access or view my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), you are prohibited from obtaining a credit report unless the consumer has granted permission through an express, signed authorization. Your companys failure to obtain my written consent or valid permission prior to conducting this inquiry constitutes a violation of the FCRA, infringing upon my privacy rights as a consumer.

This is a serious violation of my rights under the FCRA and other related privacy laws, such as the Privacy Act of 1974 and the Electronic Privacy Communications Act ( EPCA ). Unauthorized inquiries represent a breach of the statutory protections afforded to consumers by the federal government. 

Given this situation, I am requesting that you provide me with a copy of the signed authorization form that granted you the right to access my credit report. Please send this document to the address listed above within five ( 5 ) business days.

If you can not provide proof of my authorization for the credit report inquiry, I demand that you immediately notify the credit bureaus to remove this unauthorized inquiry from my credit report. Additionally, I request that you remove all of my personal information from your records.

Please respond in writing to confirm that you have complied with my request. Should you fail to provide evidence of authorization or fail to remove the unauthorized inquiry within the requested timeframe, I will pursue all available legal remedies, including seeking statutory damages, punitive damages, and reasonable attorney fees under 15 U.S.C. 1681n.
Consumer complaint received 2024-11-11
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. (VA)

After reviewing my credit report, I found several inquiries from your company that I dont remember authorizing. This is causing me a lot of stress, as these inquiries are impacting my credit score.
Consumer complaint received 2024-11-11
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. (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.

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 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

XXXX XXXX  XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

A collection account from COLUMBIA DEBT RECOVERY, LLC/ COLUMBIA DEBT RECOVERY/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLUMBIA DEBT RECOVERY dba GENSIS has been inaccurately reporting on my credit report. This debt does not belong to me, and after disputing the debt with credit bureaus on, I received no proper validation of the debt from the collection agency, which is a violation of the Fair Credit Reporting Act ( FCRA ). Despite this, the debt remains on my credit report, damaging my credit score. I request that the CFPB have this erroneous collection account removed from my credit report immediately.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Called  XXXX / XXXX / XXXX  for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2024-08-08
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. (NC)

I am writing to file a complaint against XXXX, XXXX, and Experian for their ongoing failure to correct inaccurate and fraudulent information on my credit reports. Despite my multiple attempts to resolve these issues, including providing all necessary documentation and clearly outlining the inaccuracies, the credit bureaus have ignored all of my correspondence. This negligence has resulted in several violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ), 1681s-2 ( a ) ( 1 ), 1681c ( a ) ( 4 ), and 609. The credit bureaus have failed to maintain accurate information, reported incorrect account statuses, neglected to mark the accounts as disputed despite my multiple disputes, and have not verified or corrected the disputed information as required. Their actions have caused significant harm to my creditworthiness and financial well-being. I request the Consumer Financial Protection Bureau ( CFPB ) to conduct a thorough investigation, ensure the immediate removal of all erroneous information or mark these accounts as disputed until verified, and provide me with updated copies of my credit reports reflecting these changes.
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. ()

I have requested a credit report, however have a XXXX brother with similar name and lived in the same address. 
Issue ; Unable to access credit reportInaccurate data. 
Time-scale to provide information and data has been several weeks. 
Lack of ownership by the company. 
Poor internal systemsPlease see attached e-mail trail. Similar issue in 2009
Consumer complaint received 2024-11-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Subject : Request to Remove Collection Agency Reporting Due to Erroneous Charges Dear Sir I am reaching out to dispute the collection report associated with my rental contract at XXXX XXXX and request its removal from my credit record. 
First, I have not received any prior notification from the rental company or the agency the debt. 
First, I did not receive any letter from the collection agency or the rental company about the collection. The amount of the debt is not correct. 
Before, I vacate the place, I offered them to leave a cheque with my roommate for the correct amount I think they owe me, but they ignored and did not respond. 

Background Lease Agreement Details : I signed my lease with XXXX Apartments on XX/XX/XXXX. My monthly rent was {$600.00}, plus a {$10.00} water consumption fee. At signing, I also paid a deposit of {$1100.00} and the first months rent, rent for XXXX as shown in my bank statement below. 
Payment History : Since the start of my lease, I have maintained automatic payments through my bank. My bank records show no lapses, insufficient funds, or late payments. I provided below bank statements from XX/XX/XXXX to XX/XX/XXXX to demonstrate this. 
XXXX XXXX and XXXX XXXX : Rent : $ XXXX Water : $ XXXX Initial Deposit : {$1100.00} XXXX first rent at lease signing ( XX/XX/XXXX ). 
Dispute Details : XXXX in XXXX : Around XXXX or XX/XX/XXXX, the propertys management company changed. Since then, I began receiving incorrect information regarding alleged late payments and was notified about a water fee increase from {$10.00} to {$20.00}, which was not part of my original contract. 
Payment Discrepancies : The new management requested cash or cheque payments. I complied, and my final cheque was submitted on time. I retain copies of this cheque as proof.

Property Vacated and Key Returned : I vacated the apartment on XX/XX/XXXX, leaving the key with my roommate, who promptly returned it to management. 
Request for Documentation : To resolve this dispute, please ask XXXX Apartments to provide the signed lease agreement from XX/XX/XXXX, for verification. I also have all communications with the property management via email, confirming my compliance with lease terms, timely payments, and communications up to my move-out date. I am willing to provide these documents upon request. 
Given this documented evidence, I am requesting the removal of the collection account, as the charges appear erroneous. 
Thank you for your assistance in resolving this matter. 
Sincerely,
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Consumer complaint received 2024-11-11
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. (CA)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Account : XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (TX)

I received a Milestone credit card about 30 days ago. I used it for coffee runs, gas, and grocery stores and did not have any issues. The is an annual fee associated with the card. I made the first payment which included the annual fee. ( total of XXXX ). I travel for work and attempted to use the card and it was declined. I logged into my account online and it told me I needed to call about the account. When I called I was told that my account was blocked. The first two people I spoke with could not tell me the reason for the blocked card. I asked to speak to someone higher up. I was transferred to two more people who told me the card was blocked due to fraudulent activity. The only way for the block to be removed was to send a fax of my ID to the number provided or a po box address. I do not feel comfortable doing so and will not send any documents to this company. They got their payment and annual fee and now have blocked me from using my card. I hope you can help. Thank you
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

XXXX XXXX - Account # XXXX Amount - {$490.00} This account was purchased by a third party collection agency. XXXX XXXX paid a dollar amount for it, therefor reducing the original amount. So the dollar amount is WRONG on this account. This is a violation of - 15 US code 1681 ( e ) Inaccurate and invalidated credit information. Also I do not have a contract with XXXX XXXX and there is no original contract. Please remove this account from my report.
Consumer complaint received 2024-11-10
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. (MI)

Ive recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

There are SEVERAL discrepancies that are on my credit reports that I have already attempted to dispute with no resolution. The agencies are in clear violation of my rights as per the Fair Credit Reporting Act under 15 USC 1681 section 602 which states I have the right to privacy and accuracy. 15 USC 1681 section 604 ( a ). Significant amount of time has been provided with no results in corrective measures. The agencies are falsely reporting inaccuracies which is a violation of FEDERAL LAW. I am now reaching out to you for help and to hold the agencies accountable for their lack of urgency in this matter. The agencies are in violation of several federal laws! At this moment I am DEMANDING my report be updated with accurate information from this moment. The following are the accounts in question along with the personal information that I have previously requested to be removed.

PERSONAL INFORMATION : I have ONE last name and requested all others be removed along with the inaccurate addresses that are listed as well.
ACCOUNTS OF INACCURACY : 15USC 1666B ( a ) ( b ) AND 15 USC 1637a ( a ) : all late payments need to be promptly removed 18 USC 3282 : several accounts are outside of the Statute of Limitations including ALL student loan from " XXXX XXXX XXXX '' " closed '' accounts, " XXXX XXXX XXXX XXXX over XXXX XXXX XXXX. 
15 USC 1962 : all collection accounts need removal 15 USC 1601 : all charge-off accounts are to be removed 15 USC 1602 ( p ) : all hard inquiries are to be removed 15 USC 1681 ( b ) 2 : ALL of the accounts that have been NEGATIVELY reported have NOT received my WRITTEN consent is actually considered identity theft 15 USC 1637a ( a ) : " XXXX/DEPT of ED '' has increased the amount due along with adding late fees to the balance and there has NEVER been written consent to even sell my accounts much less increase the balance to the what it is currently relfecting.

FCRA Section 623 : all of the disputes I have made has not been reported on my report, FCRA Section 605 ( c ) : instead of correcting the issues on several accounts, the agencies have " re-aged '' several old accounts.

15 USC 1692 : several accounts have been illegally sold to collection agencies including one labeled " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Your prompt attention to this urgent matter is greatly appreciated in order to have resolution to the clear FEDERAL violations that are occurring by all XXXX reporting credit agencies.
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paysend US LLC (TN)

on XXXX XXXX my cell phone was compromised and I was not able to use my cell phone. During this time a transaction was made from my cell phone and a credit card was used to make a transaction through Pay Send ( A money transfer service ) in the amount of {$50.00} XXXX = {$100.00}. I have disputed the charge with my credit card company and they have stated that Pay Send provided information that the transaction was made from my cell phone. 

XXXX XXXX ( my cellular provider ) has informed me that on Friday XXXX XXXX my cell phone was in XXXX and at which time I was not in XXXX ( I dont have a passport! ). 

I did not make this transaction and I want this reported as fraud.
Consumer complaint received 2024-11-10
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. (SC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX ).
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in clear violation of federal law!

15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent.

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

DELETE this immediately!
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.