davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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. (WA)

In accordance with Fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  ( XXXX accounts total ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX. US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 USC 1681 section 602a. States that I have the right to privacy.


15 USD 1681 section 604a section 2 States and consumer reporting agency can not furnish an account without my written instruction. 15 USC 1681 c ( a ) ( 5 ) 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 antidotes the report by more than seve years.

15 USC 1681 s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-31
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. (IL)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-31
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: Experian Information Solutions Inc. (FL)

Unauthorized inquiries remain on my consumer report despite documented identity theft claims. These fraudulent entries have caused direct financial harm, including loan denials. I have filed reports with the FTC ( documentation attached ) confirming my identity theft victim status.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-10-02
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)

The numerous of credit inquires that are on my credit Report are inaccurate and fraudulent I did not give consent neither do I have knowledge of these inquires XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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. (CA)

I am writing to formally request the immediate blocking and deletion of specific accounts on my credit report, following a recent data breach that exposed my personal information to unauthorized parties. Under the protections afforded by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any fraudulent accounts or inquiries removed from my credit file. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My Trans Union credit Report has too many inquiries in my report. So of them stems from the same company and has the same time.. Trans Union and their Customer Service Representative would not help and take care of the negative inquiries reporting to my credit report I want these inquiries to be delete from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: STATE FARM BANK, FSB (NV)

State Farm filed 2 " zero pay '' claims which are inaccurate in both instances we called to ask questions about filing a claim and decided not to yet they reported them. They never told us they would be doing this and when we asked did not know that it did report so now I am losing insurance coverage because i have 3 "  claims '' in the past 2 years although in reality there was only one actual claim filed. 


XX/XX/XXXX we were abruptly informed that State Farm would no longer provide coverage as we had 3 claims on our property. This was surprising to us as we only had one claim that we were aware of XX/XX/XXXX. 

The other 2 claims that we were made aware of are as below : XX/XX/XXXX we had mold due to water damage in a ur home. We had called State Farm to understand if our policy would cover damages at which point in time they had informed us that mold is not covered under our policy. No claim was filed as there was nothing that could be done. 

XX/XX/XXXX we had experienced theft while travelling. XX/XX/XXXX we called State Farm to inquire what options we had within our policy to potentially file a claim. We were informed of the deductibles and coverage options and decided against filing a claim. 

Both claims had been calls to our local State Farm representatives to understand our policy options to make an educated decision on whether filing a claim was even an option. 
Both cases we were re-directed to claims department which we now understand that in talking to a claims representative means that they open a claim without our knowledge or consent. Our local representative ( XXXX XXXX ) and his team were not aware of this being a State Farm protocol and had advocated on our behalf to have the claims removed as they were the ones to re-direct our calls to the claims department for more information without our knowledge of them opening claims. 
Both claims were zero pay '' claims as they were intended to be informational calls and NOT claims. 
Had our local branch informed us that talking to a claims representative to understand our policy meant a claim would be opened without our request or consent as standard protocol we would have never made the call. We were under the impression representatives were there to help the client ( us ) rather than working against us.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items.
Consumer complaint received 2024-10-29
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)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2016-10-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nudelman, Klemm & Golub, P.C. (NJ)

I am not really sure who to complain about. I was delinquent on 2 XXXX cards. On XX/XX/2014, I came to a settlement, in court, with a law firm Nudelman, Klemm, and Golub. This law frim claimed that they were representing XXXX, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from XXXX, attempting to collect. I looked at my credit report and saw that both XXXX AND XXXX were listed as companys that I owed. When I contacted XXXX, they told me that they sold my debt to XXXX. Why am I paying Nudelman, Klemm, and Golub? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented XXXX? If so, this is fraud.
Consumer complaint received 2019-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-10-02
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. (PA)

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX violated my consumer reports on XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Arbitration — 
Company: Colony Brands, Inc. (NC)

I have contacted this company called, Swiss Colony directly through mail letting them know that I am disputing this item on my credit report and also that this account is fraudulent because I never received the item they are charging me with {$130.00} on my credit report. I have seen that they have not place the notice that the item have been disputed by consumer. I know it 's been over 30 days and I am willing to go to court for their negligent. I want the item to be taken off all my credit reports. I have a fraudulent alert on all my credit reports because of this item from Swiss Colony sticking me with this unpaid account. They ca n't prove anything that this account is actually mine or if I have signed an agreement bearing my signature. They could n't provide the information to me. I just want the item to be removed from my credit report. I am so willing to forget going to court in exchange for them to remove the item off all my credit reports. I have letters to prove that I have written to them that I have disputed the item on my credit reports and they still have broken the law by not providing the dispute statement on my reports.I have also let them know that the account is not mine but they want me to get a police report to prove it. I told they that I always use Apt XXXX B to get my mails because of my neighbors beside me, it is possible that they could have receive the product from Swiss Colony and never report it. I did not order anything from them and they refuse to believe me and I want them to remove this account since they have closed it. The statement is still not on my reports after I have disputed the item. So they have broken the law and I want it removed off all my credit reports. Swiss Colony have violate the FCRA section 623 ( a ) ( 3 )
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. Account XXXX XXXX XXXX XXXX  XXXX, has violated my rights. Account XXXX XXXX  XXXX  XXXX, has violated my rights. Account XXXX XXXX XXXXXXXX15 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 an account without my written instruction.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

During the first week of XX/XX/XXXX we applied for a loan with an institution that only uses TransUnion for credit reporting. 
I was notified by this lender that TransUnion had misentered my social security number by one digit. Their direction was that I was to contact TransUnion directly for the correction. 
TransUnion had me write a letter explaining the problem along with giving them the correct digits. I wrote this letter and mailed it through USPS certified, priority with signature required on XX/XX/XXXX. As of XXXX they still have not received it as well the tracking number provided by USPS shows still out for delivery. 
TransUnion told me on XX/XX/XXXX through a mailed letter that I needed to mail them a photocopy of my SS card. How could I do this in confidence when they still haven't received my certified letter! 
When I expressed my concern to TransUnion on XX/XX/XXXX I was told that I could fax them a copy. On XXXX I received a call from TransUnion as a satisfaction survey I explained my frustration and then I was told they haven't had a fax number in years! 
I was then instructed by the agent to file this complaint. Contractors are still on hold and the funding institution has denied our funding due to the time-line this has taken.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-08-02
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. (MD)

Hello please remove this fraud and delete this fraud from my credit report because this was open due to fraud XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRIED TO REQUEST MY TRANSUNION CREDIT REPORT ONLINE AND IT FIRST SHOWED THAT MY INFORMATION WAS NOT ACCURATE AND IT COULD NOT GENERATE MY CREDIT REPORT. I TRIED A SECOND TIME AND IT SHOWED THAT I HAD ALREADY REQUESTED MY CREDIT REPORT AND COULD NO LONGER REQUEST IT UNTIL NEXT YEAR. 

FOR XXXX  AN ERROR MESSAGE POPPED UP THAT READ : Error code XXXX This request was blocked by the security rules XXXX XXXX XXXX Your XXXX XXXX ( ID XXXX ) Incident ID : XXXX IT DID NOT ALLOW ME TO EVEN REQUEST THE CREDIT REPORT. 

FOR BOTH COMPANIES I CALLED THE XXXX XXXX XXXX PHONE LINE AND REQUEST THROUGH THE PHONE PROCESS, REQUESTED BOTH TRANSUNION AND XXXX, HAVE NOT RECEIVED CREDIT REPORT BY MAIL EITHER.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TX)

I recently requested copy of my XXXX Credit Report. In reveiwing my credit report I was shocked to see several Affirm accounts on my credit report. In looking over my credit report, I noticed it was about six different accounts.

With six different account numbers, some were of collections, and some were paid closed.Two were paid closed, and three were in collection status. I am not aware of the accounts reporting with the company Affirm Inc . I did not give any permission too open any account with this company. 

Therefore, I am not aware how my personal infotmation got tied to these accounts. I have had issues of my personal information being compromised. And been used in several transactions in which I recently requested to freeze on my credit file. 

I request that these accounts be deleted and removed from my credit file. I am not aware if these accounts are repoerting on my other credit files. But, I will request my files from XXXX XXXX, and XXXX. I only currently see these accounts on XXXX. 

I went onlne and filed a complaint with the Federal Trade Commisiion, for Identity Theft See uploaded copy of complaint, with all account numbers of accounts..
Consumer complaint received 2024-10-02
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)

After getting a notification, I found several inaccurate items. Under the 15 U.S. Code 1681e ( b ) reads " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.