davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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. (OH)

I noticed that a XXXX  XXXX bankruptcy is reporting on my credit report without my prior consent. It appears that this information was obtained and reported without proper authorization. That is unfair! Obtaining and sharing potentially negative information without prior consent from the consumer is false and misleading. And the information is harming me. I am putting Trans Union, XXXX, and XXXX on notice about the crime and demanding for the unauthorized information to be deleted from my credit report.
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: EQUIFAX, INC. (MO)

Equifax is breaking several federal laws by furnishing my consumer report with the following accounts. 

Account Number : XXXX XXXX Name Of Company : XXXX XXXX XXXX XXXX XXXX Dates Opened : XX/XX/XXXXXXXX  Account Number : XXXX XXXX Name Of Company : XXXX XXXX XXXX Dates Opened : XX/XX/XXXX ALL inquires need to be removed, they were NEVER authorized by me. Per 15 U.S, Code 1681b ( c ), a consumer reporting agency may not furnish a consumer report in connection with credit and insurance transactions that are not initiated by the consumer. There was no firm offer on credit or insurance in any of these inquires. These fraudulent unlawfully reported inquires are a result of identity theft that were not verified as required by law. 15 USC 1681b ( c ) XX/XX/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 Equifax reporting this collection/Charge-Off, late payment/other derogatory information in my consumer report is in violation of 26 U.S.Code ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. These accounts are showing adverse information on my consumer report which is negatively affecting my credit score which violates 15 U.S. Code 1681c. Equifax is violating my rights by disclosing my nonpublic personal information to third parties per 15 U.S. Code 6802. ( 17 CFR Part 248.1. Equifax never received written instructions from me to furnish these negative accounts which violates my rights per 15 U.S. Code 1681b. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transaction and experiences between me and Equifax which violates my rights per 15 U.S. Code 1681a. 

I sent Equifax a letter requesting removal of these accounts and inquiries XX/XX/XXXXXXXX  and nothing as been done. My credit score and consumer report affect my livelihood and ability to obtain necessities. If these accounts/inquiries are not removed in the timeline set by federal law, then I will be suing next for every violation.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. 


XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX 
Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX
Consumer complaint received 2024-09-14
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. (MD)

I sent out instructions for Experian ( www.experian.com ) to delete a few items as addresses and phone numbers that were not directed related to me or an open account period. They sent me a notice stating they have disputed this with some 3rd party company that I did not mention to do, and they didn't correct all of the issues I instructed them to do, as well as there was no option to dispute any other items on my account, ie. Inquires.. 
They tried to tell me that there is a Limit to what I can dispute, I would like someone to explain to me and or Experian that this IS Not proper, and against my rights.. 
Thank You XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

Ive been calling everyday since XX/XX/year>2024. I paid for all 3 FICO scores and this is the error I keep getting : Sorry, we can't show you today 's 3-bureau report. This might mean that Equifax has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

I do have a record and they will not share my FICO 8 score only the other one. I keep telling them I need FICO 8 because Im trying to purchase a house and was told no 8 times. Im losing this housing deal because they wont even give my score to the bank, they gave me the task to try and Im not getting anywhere with them. I called all 3 bureaus.
Consumer complaint received 2024-10-11
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. (MI)

Transunion has claimed multiple account meets FCRA standards when Account clearly violate standards of accuracy as they are not present on other reporting agencies. When Ive called to dispute incorrect account I have been treated with racist side remarks, spoken over and told I was wrong on multiple occasions. When Ive submitted my accurate credit report its been ignored. Its now obvious that Transunion has a preconceived idea toward minorities and how they feel about resolving issues as even when presented with updated information they refuse to resolve issues. Transunion has not resolved any disputes for XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX in the last XXXX  days and has reset the dispute as soon as due the last XXXX rounds. Attached is my XXXX file that Transunion has ignored in order to keep score suppressed to hinder me from having a accurate credit score
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Call TransUnion ( XXXX ), XXXX ( 3 ) XXXX  ( 5 ) to have all inaccurate address to be removed, ( TransUnion every is reporting 2 addresses with 2 street names ) XXXX ( XXXX ) inaccurate names to be removed. ( I do not have a middle name ) all 3 are reporting different version of inaccurate addresses.

this is what my request was, I noticed youre reporting inaccurate personal information on my credit file, please review my request below. 
My only name is XXXX  Please delete any other names you are reporting. 
My only address is XXXX  Please delete previous addresses you are reporting as they are inaccurate. 

I was told that they can not be removed as some addresses are begin reported as accurate by creditors and can not be removed.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

I am writing to notify you of fraudulent accounts and inquiries on my credit report due to a recent identity theft incident. I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) regarding this matter ( Report Number : XXXX ). The breach resulted in several accounts being opened in my name and unauthorized credit inquiries, which have significantly impacted my credit score and financial standing. The following is my full statement of the crime : I was the victim of a data breach that led to unauthorized use of my personal information, including my name and Social Security number. Fraudulent accounts were opened, and inquiries were made without my knowledge or consent. The unauthorized accounts and inquiries are reflected on my credit reports with Equifax, XXXX, and XXXX. This breach has caused a decline in my credit score, and I am now being held liable for debts I did not incur. 

Affected Accounts : The following accounts were opened fraudulently using my personal information. I request their immediate removal from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Fraudulent Credit Inquiries : Additionally, the following credit inquiries were made without my authorization and need to be removed from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries were not initiated or authorized by me, and I am a victim of identity theft. As such, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request that these accounts and inquiries be permanently removed from my credit reports, and that any associated collection activity cease immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received a text message from Bank of America on XX/XX/year> at XXXX PST that reported a charge was created on my credit card amounting in {$480.00} for XXXX  XXXX XXXX I did not recognize the transaction and immediately called Bank of America 's fraud department. They sent me a new credit card and I believed everything was resolved. Unfortunately, they messaged me that they would not approve my claim on XX/XX/year>. I resubmitted the claim again as someone on Bank of America 's customer service told me I could submit evidence. However, I was unable to submit my evidence as Bank of America never asked for evidence and there is no way to submit evidence without a prompt from Bank of America. They once again denied my claim on XX/XX/year> without doing a thorough job evaluating my claim. 

During all of this, I had been in contact with the vendor as well as XXXX. The vendor was unhelpful and basically told me the item had been shipped and they could do nothing and that I should just return the item once I received it. However, I never even received the item that was fraudulently purchased. I contacted XXXX to let them know their proof of delivery was falsified as my name was incorrect on the document and that my home security system did not detect a delivery truck on the supposed date/time of delivery. XXXX told me to contact the vendor, who told me to contact Bank of America and do a chargeback. 

Out of options, I filed a chargeback against the transaction as I technically did not receive the item. My original attempt as charging it correctly as fraud was denied by Bank of America. I filed a new claim on XX/XX/year> for not receiving the item. I finally received a message from Bank of America on XX/XX/year> asking for copies of evidence. I drafted a letter and included screenshots from my emails with XXXX XXXX XXXX my correspondence with XXXX, captures from my home security footage, a police report, and my complaint against XXXXXXXX XXXX XXXX on the XXXX XXXX XXXX. I did not receive any communication with Bank of America until XX/XX/year> when they asked for the same documents again. I am quite frustrated as I had already included all the documents and 1.5 months had passed without any action. It has been over 3 months since my first initial fraud claim and the charge is still on my credit card statement.
Consumer complaint received 2024-10-10
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored. 

Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX AND Transunion have claimed account meets FCRS stands. Account clearly violates standards of accuracy as its not present on other reporting agencies. When Ive called to dispute incorrect account I have been treated with racist side remarks, spoken over and told I was wrong on multiple occasions. When Ive submitted my accurate credit report its been ignored. Its not obvious that company has a preconceived idea toward minorities and how they feel about resolving issues as even when presented with updated information they refuse to resolve issues
Consumer complaint received 2024-10-09
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. (PA)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ]. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. 

These inquiries were made without my consent and do not meet any permissible purpose under this section.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Response to XXXX XXXX XXXX Statement Regarding Alleged Loan Account Dear XXXX XXXX XXXX I am writing in response to your communication dated XX/XX/scrub>XXXX regarding the complaint I filed concerning the inaccurate reporting of an account allegedly associated with me. 

First and foremost, I have never done business with XXXX XXXX. I am a victim of identity theft, and this alleged loan was not taken out by me. The name associated with this loan, XXXX XXXX, '' is not my legal name. My correct legal name is XXXX XXXX XXXX, and this discrepancy has been verified by XXXX, TransUnion, and XXXX, proving that the name on the account is incorrect. This further supports the claim that the reporting of this account is erroneous and violates the Fair Credit Reporting Act ( FCRA ). 

As you are aware, the FCRA requires furnishers of information to report accurate and complete information. The reporting of this account with the incorrect name and without proper validation is a direct violation of 15 U.S. Code 1681e - Compliance Procedures. In addition, you have not provided sufficient proof to verify that this account belongs to me. 

I formally request that you provide the method of verification for this alleged loan, including any bank account information or other relevant data that was used to open and disburse the loan. If you can not provide such proof, the inaccurate information must be removed from my credit reports immediately. 

Additionally, your statement regarding the FDCPA and the company not being a " debt collector '' is irrelevant to my request for debt validation under the FCRA. The obligation remains for Possible Finance to furnish only accurate and verifiable information to the credit reporting agencies. 

I expect this matter to be corrected promptly. Please provide written confirmation that this account has been removed from my credit reports, or if not, provide the method of verification used to report this account in the first place. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX