davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-24
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. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the XXXX Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-24
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. (AZ)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-31
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. (DE)

This evening, I saw some incorrect accounts on my credit report and I'm puzzled about why they're there. I examined my credit report as I normally do, but there were unexpected discrepancies this time. I tried refreshing my browser, thinking it might be a glitch, but the inaccurate accounts were still there. Because of this issue, I am asking for a thorough check of the documents I've submitted so I can avoid this worry in the future.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I did not and have not given permission to Portfolio recovery to access my credit profile. Per the Fair Credit Reporting Act states that only businesses with a legitimate reason to check your credit report can do so, and you have to consent in writing to having your credit report pulled. I have not ever given any permission. 

Per the CFPB, " No one should request your credit report without a valid purpose allowed by the law. Anyone who uses or obtains a copy of your credit report under false pretenses may be subject to civil and criminal penalties. '' This company needs is in violation and needs to be fined. I demand you immediately cease and desist from accessing my credit account with all XXXX credit bureaus.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2024-02-15
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. (IL)

Hello, I have recently discovered that I have been the victim of Identity theft in which such person [ s ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I been trying to purchase a home so I started looking at my credit report more closely. 

In XX/XX/XXXX I discovered that the following Accounts have been opened Fraudulently : XXXX {$3700.00} Acct # XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$210.00} Acct # XXXX Opened XX/XX/XXXXXXXX XXXX XXXX {$7400.00} Acct # XXXX Opened XX/XX/XXXX XXXX XXXX {$5700.00} Acct # XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} Acct # XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$6700.00} Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$2400.00} Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$3600.00} Acct # XXXX Opened XX/XX/XXXX These are the XXXX accounts from Transunion that are on the Federal Identity Theft Report!
Consumer complaint received 2024-07-31
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. (DE)

Today, I discovered unauthorized inquiries on my credit report, which I can't explain. When I checked my report as usual, I found discrepancies that appeared out of nowhere. I refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries persisted. Therefore, I am asking for a thorough review of the documents I submitted to ensure this doesn't happen again.
Consumer complaint received 2024-01-17
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. (TX)

I requested that information reported on my credit report be updated. I sent in the updated information to Transunion XXXX and XXXX. No response back. Also they are reporting information from creditor accounts that have been closed as need attention or flagged as charge off. Those accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Back in 2021 I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was XXXX XXXX XXXX XXXX. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all 3 of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX 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 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (NV)

I requested and obtained a free copy of my XXXX ( XXXX XXXX XXXX ) report. After review, I discovered incorrect addresses and a Hard Inquiry from CNU Online Holdings LLC from XX/XX/2018. I submitted my dispute for the items, including this hard inquiry. I was told by XXXX ( An XXXX XXXX ) that the CNU Online Holdings LLC inquiry had been verified : " The item has been verified as it appears on the attached consumer report ''. I am not aware of this company and I have never done business with this company ; so, I believe that CNU Online Holdings LLC performed a non-permissible inquiry. I have attached my Identitytheft.gov form including the aforementioned inquiry along with my identification documents.
Consumer complaint received 2024-02-28
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. (NV)

I requested and obtained a free copy of my XXXX  ( An Equifax Company ) report. After review, I discovered incorrect addresses and a Hard Inquiry from XXXX XXXX XXXX XXXX from XX/XX/year>. I submitted my dispute for the items, including this hard inquiry. I was told by XXXX ( An Equifax Company ) that the XXXX XXXX XXXX XXXX XXXX had been verified : " The item has been verified as it appears on the attached consumer report ''. I am not aware of this company and I have never done business with this company ; so, I believe that XXXX XXXX XXXX XXXX performed a non-permissible inquiry. I have attached my Identitytheft.gov form including the aforementioned inquiry along with my identification documents.
Consumer complaint received 2024-07-31
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. (MI)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MI)

XXXX to XXXX XXXX XXXX of {$1100.00} XX/XX/2024 wad declined. Three times same day. Within minutes received email from Marcus to verify my charge and my response was sent back to the question button they directly emailed to me and I selected " yes ''. I also called shortly after that email and was disconnected multiple times after my voice was heard. 
I then began a chat with a Marcus.com representative. I was told to change my " password '' on my account and that would clear up issue. I proceeded to do that and changed it. And, I heard nothing back from them. The following day I tried to use my card at a XXXX gas station in my area and was " restricted '' before even pumping my gas. I found this odd as I just slipped card into pump credit card slot. ( I then used my other XXXX  credit card to pay for my gas of {$28.00} no problem paid ) A few hours later I went on my personal computer and went to Marcus.com. I saw a " declined -Account Status '' XXXX XXXX Auto/Commuting {$170.00}. Interesting. My gas was paid from XXXX card and was {$28.00}. 
I chatted again that following evening and was told excuse after excuse. Was also told I need to use their Mobile app. I have proof of chats that if I change password on Marcus it would clear issue. Now, I am told I am restricted. I have payed my bills on time for entirety on this account and never incur any late fees & I believe there's more going on here. Discrimination maybe? I have a credit line up to {$19000.00}. I can not use this card as they have me locked on specific purchases. Can not depend on Marcus. Customer service is horrible. As they know I've used card less since last year they put me through same scenario. My XXXX is dependable and customer service is fantastic.
Consumer complaint received 2024-02-22
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. (CO)

I am trying to dispute an invalid collection on my account by XXXX XXXX XXXX. I first submitted the dispute a few months ago, and my dispute was automatically closed without any proper research. I submitted it again online directly through Transunion, and this time I provided a letter from the collector confirming they had removed the debt. I noticed the status said : " Delivery by postal mail. '' I chatted with a customer service agent through live chat and was told the dispute was canceled. This is not what I see on my end, and they offered to submit it again.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

ACCOUNTS BELOW ARE LOCATED IT AT EXPERIAN CREDIT 

Account name: XXXX XXXX XXXX, Status updated: NOV 2022, Balance: XXXX

Account name: XXXX XXXX XXXX, Status Update: XXXX XXXX  collection account, Balance: $XXXX

Account name: XXXX XXXX XXXX, Status Update: collection account XXXX XXXX, Balance XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Dear XXXX CFPB ENFORCEMENT Since XXXX I paid on time the XXXX XXXX XXXX account XXXX fully paid in installment basis in XXXX XXXX XXXX did not reported my XXXX montly payment to XXXX credit bureaus- they said to these XXXX. institutions that they will fix it it ask of these day it was not reported, the one they reported is the XXXX XXXX  XXXX XXXX where XXXX asked me for {$3500.00} down payment in XXXX they said that my credit score was XXXX? cause and my XXXX  months lease in XXXX XXXX  XXXX account XXXX is not reported in there credit report and the XXXX XXXX XXXX XXXX Experian 's.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding continues to allege I owe a debt I do not owe. The debt has been canceled with the IRS and now considered income and can not be reported to the credit bureaus. This is a violation of my federal protected consumer rights. I have no contractual obligation and I refuse to pay the debt as I stated in my earlier complaint.
Consumer complaint received 2024-01-03
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: EQUIFAX, INC. (FL)

Good afternoon, I was checking today my credit report in Equifax and I realized that I have inquires that I dont recognize from these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX all of them are made the same day XXXX XXXX 

I require to be eliminated please. 

Regards, XXXX XXXX
Consumer complaint received 2024-02-22
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. (FL)

I am writing to inform you that there is 100 % improper use of the credit report Attached to the SSN TRANSUNION AND XXXX have 1000 % violated the FCRA AND I IM HIGHLY XXXX  ABOUT THIS, 15 U.S. Code 1681 states thats companys are to report accurate information across all 3 bureaus on the credit report and dates are not accurate across all XXXX bureaus I have enclosed proof highlighted, attached below, I want all these fraudulent incorrect XXXX accounts and inaccurate inquiries from the credit report with no fraud remarks or disputes comments remarks left on the credit report within XXXX of receiving this, yes I want the entire accounts fully whipped, attached below are proof supporting this statement,15 USC 1681 section 2 Also states company can not furnish a account without my written consent and I never gave any consent, section 602 also states I have to right to privacy.As instructed on your website Ive also enclosed documentation providing proof of my current address, social security, drivers and driver license. 


XXXX Account # : XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX Account # XXXX XXXX Balance : {$660.00} XXXX XXXX  Account # : XXXX Balance : {$9600.00} XXXX XXXX  Account # : XXXX Balance : {$710.00} INACCURATE INQUIRIES THAT NEEDS TO BE REMOVED! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2024-07-31
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. (AZ)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of XXXX XXXX.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Some one has been using my personal information to apply for bank loans, This issue has added multiple inquires on my account.i will lease them below transunion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-31
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XX/XX/XXXX {$670.00} I discovered unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Inquiry XXXX XXXX XX/XX/year> Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX : XXXX XXXX  XXXX Employers : XXXX  XXXX  Employers : XXXX XXXX  XXXX