davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: HW Holding, Inc (CO)

RE : Hunter Warfield Inc ( # XXXX ) I called the number provided when first contacted in writing by Hunter Warfield. I spoke to a representative on the phone attempting to make payments according to my financial capability. The representative was very rude and scoffed at my earnest effort to pay the bill over time. He said that every time a monthly payment would be made, that the company would charge an additional {$14.00} fee for payment acceptance thereby almost negating my attempt to pay over time. The representative offered no other solution to my problem except to threaten wage garnishment and court costs. In addition to these pressure tactics, Hunter Warfield contact my same phone number throughout the same day, every day, even late at night. This company went so far as to contact my employer several times almost causing me to lose my job. Please investigate this company as I believe that they have violated my rights as a consumer and this matter should be deleted from my credit report.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C.

1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT FRAUDULENT INQUIRES : INQUIRES XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am writing regarding unauthorized bankruptcy entries that have appeared on my consumer report. Upon review of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 4 ), I assert that these entries violate my consumer right to privacy, as my personal information was released without proper authorization. 

I have confirmed that I am a victim of identity theft, and these bankruptcy entries are fraudulent. Under federal law, you are required to : 1. Remove unauthorized entries 2. Protect consumer privacy 3. Maintain accurate reporting
Consumer complaint received 2024-10-23
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. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/year> Dear XXXX XXXX Customer Service, Thank you for your response dated XX/XX/year>, which included copies of statements for the account ending in XXXX. However, my original request was for a formal verification and validation of the debt under the Fair Credit Reporting Act ( FCRA ), specifically regarding my dispute of the reported debt. 
The FCRA entitles me to request, and you are required to provide, documentation to prove the validity of the debt, such as the original signed agreement or contract that verifies my obligation to pay this debt. I also request that you send me a detailed breakdown of how the balance was calculated, including any fees or interest applied. 
Please treat this as a formal dispute under the FCRA, and provide the requested documentation within 30 days of receiving this letter. If you can not provide such information, please instruct the relevant credit bureaus to remove the debt from my credit report. 
I look forward to your prompt response.
Consumer complaint received 2024-10-01
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: Experian Information Solutions Inc. (IL)

XXXX XXXX, XXXX, Date of Birth : XX/XX/year> ( P, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XXXX under the account number XXXX, XXXX opened on XXXX under the account number XXXX, XXXX XXXX  on XXXX under the account number XXXX, XXXX XXXX  on XXXX under the account number XXXX, XXXX opened XXXX under account number XXXX, XXXX  on XXXX under the account number XXXX, XXXX opened on XXXX, XXXX  XXXX opened XXXX on XXXX under the account number XXXX, XXXX XXXX  on XXXX under the account number XXXX, XXXX opened XXXX under account number XXXX, These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year> I deposited a check in Chase Bank in the amount of {$2400.00}. Shortly thereafter, this account was closed and {$100.00} in funds was returned to me. However, the funds for the {$2400.00} check was not returned to me and was suspended. 

When I called to inquire, the reason they provided was that the phone number on the check did not match their phone records of this person. 

I called the owner of this check and asked him to call his phone company to link his name to his phone number. 

He did. 

I called the bank again, but they claimed the issue was not resolved. 

I asked, if I go down with the owner of this check, along with his ID, to a local bank branch, will they honor his identity? 

They said no. 

There is nothing more on my end that I can do to retrieve my money owed to me.
Consumer complaint received 2024-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have requested the XXXX from XXXX XXXX and the credit bureau for over a year. My requests are being ignored or are just updated with duplicate remarks. There are errors in balances and in dates with a XXXX  and an XXXX  account that are continually not been addressed. The creditors just come back every time saying it was modified or verified or random remarks that dont tell me anything and certainly dont fix anything. TransUnion does nothing to validate these supposed debt validations that are incorrect and all the while my credit score keeps getting lower and lower with every single dispute I make. And I dont know why. My score is keeping me from finding housing ands its because of these errors that are not being removed and transition doesnt care to help as they are supposed to. How can this be allowed. You tell us to dispute the errors but then when we do it just hurts us more and more and at the end of the day there is nothing that anyone does about the fact that I am homeless. Separated from my kids and my dogs because I couldnt get approved room a landlord because of my credit score which was based on a credit report that was so full of errors it was a joke. For over a year now I have been working so hard to get those errors fixed and get my credit score up so I can move back in to a home with my kids but its never ever been as bad as it is now. And nobodys helping me or giving me any explanations. Transunion never provides a response let alone debt validation. It makes me just want to call it quits XXXX give up on this life.
Consumer complaint received 2024-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NJ)

On XX/XX/year> I received a phone call from a debt collection company, IC System, attempting to collect a medical debt from XXXX XXXX in XXXX, NJ. My two daughters have been patients of this practice for over 5 years. Approx. 3 years ago, our mailing address changed, of which we notified the practice. We had been receiving and paying bills from the practice since that time. The medical debt was for service provided in XX/XX/year> ( approx. {$85.00} ) for one of my daughters. I immediately called XXXX XXXX to determine why we had not received a bill in the mail or ANY other type of communication to inform us of this outstanding balance, to include in-person visits. I was told their billing is done by a third-party, and they dont have any visibility on outstanding balances. XXXX XXXX then informed me that the address on file for my younger daughter was our old address. They were unclear as to why that address didnt match our current address or the address of our older daughter, even though the address was correct/current in the past, and Im currently receiving invoices for my other daughter. All other invoices ( for both patients ) have always been paid. After verifying the invoice, I requested to pay the invoice directly to the provider, and that they rescind the collection due to their failure to properly bill and or notify me of the outstanding balance. Their officer manager ( through an associate ) denied my request to pay the balance and rescind the collection. I was told that I have to pay the collection agency. I then requested the office manager, and the owner of the practice, XXXX XXXX XXXX give me a call to discuss the matter. As of this report, I have not received a call. Today, XX/XX/year>, I called the practice and requested to speak to the office manager, or XXXX XXXX, and was told they are both unavailable/too busy to come to the phone.
Consumer complaint received 2024-10-22
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)

Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer DOB : XXXX, Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : A Installment Loan Account Opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account Number : ( XXXX ), a Inquiry from XXXX XXXXXXXX XX/XX/XXXX, and a Inquiry from XXXX XX/XX/XXXX.. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -Copy of US Passport XXXX Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There seems to be an identity theft going on my Transunion credit report as someone tried to apply for a credit card with the name XXXX XXXX on XX/XX/2024 without my consent or knowledge
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I Have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX, 2016 I went online to pull my free annual credit reports from all XXXX agencies. I went first to Experian. There was an ad for a " free FICO score for {$1.00} '' which I was going to request but when I read their disclaimer that their {$1.00} " free '' FICO score IS NOT used by lenders I decided not to. 
The Experian website is difficult to use and very confusing unless you want to give Experian your hard-earned money. Printing out a readable copy of my " free '' Experian credit report was confusing and difficult. I use computer ALL the time and prepare tax returns for a living so if I say it 's confusing, IT 'S CONFUSING! I exited the site then and there realizing that their website is not REALLY designed to help you find your free credit report. I then made my way to 'annualcreditreport.com '. I was eventually able to print all XXXX credit reports on XX/XX/XXXX ONLY. Experian charged me {$21.00} for a " free credit report ''. .Experian debited my bank account for {$21.00} on XXXX XXXX, 2016 ( 10 days later )!!!. I ordered nothing from them. I tried to contact Experian about this but they have no customer service number and no information about their overcharging customers. I only have XXXX credit report from Experian dated XXXX XXXX, 2016 that should be free. I did not order anything from Experian to my knowledge nor did I receive any receipt or communication from Experian stating that I had done so. I would like a refund immediately of the {$21.00} Experian took from my bank account without my knowledge or consent.
Consumer complaint received 2024-10-22
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-22
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. (SC)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - {$0.00XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$84.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$1400.00} XXXX XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX XXXXXXXX - XXXX - {$0.00} INQUIRIES : XXXX XXXXXXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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