davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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. (AL)

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 2024-10-07
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. (NC)

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 noncomplia
nce under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2023-04-25
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report. However, to this date, I have not received any response from them. 

Firstly, the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$8500.00} ) is being reported inaccurately. I disagree with the Balance amount of {$8500.00} as I recall it to be lower. I request you to remove the information regarding the Past Due amount since this account is closed and charged-off. As my credit score is affected by the changes applied to my accounts, I kindly request you to mark this account as disputed so that it does not impact my credit score. 

Secondly, the XXXX  account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$7900.00} ) was never late. Please remove the late payment entry from the account. 
Thirdly, the information presented on the account XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) is inaccurate. The original creditor for this account is XXXXXXXX XXXX XXXX not the one you have indicated. You have reported a higher balance of {$2500.00} than the amount I owe. I dispute this account and request a verification of the Date Opened and Date of First Delinquency. 

Lastly, the information presented on the account XXXX ( Date Opened : XX/XX/XXXXXXXX Balance : {$330.00} ) needs to be investigated. I know that the original creditor for this account is XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX. The balance amount of {$330.00} is inflated and inaccurate. I do not recognize this amount and believe that I owe a lower amount. Therefore, I dispute the entire account and insist that you verify the Date Opened and Date of First Delinquency.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX, Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-22
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. (NC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

I signed a lease to live at Seasons of XXXX XXXX XXXX  in XXXX XXXX, TX from XXXX XXXX XX/XX/XXXX. My initial lease was up XX/XX/XXXX and I opted in for a XXXX lease that would take me through XX/XX/XXXX. The lease was not provided to my until Late XXXX after I paid my initial rent on XX/XX/XXXX. The lease documentation also does not shows incorrect dates of execution and move out dates. I moved into my new complex in XXXX, TX with seemingly no issues. The keys were mailed to XXXX at XXXX XXXX via XXXX and I did a walk thru clean up. I have never left any of my apartments dirty or less than. Now over 6 years later I am informed that an eviction as well as a collection account with XXXX which was filed XX/XX/XXXX and submitted to XXXX XXXX XXXX. I was already in my new apartment and unaware of any notices or wrong doing prior to my move out. This information has been placed on my Credit report and is negatively impacting my ability to secure housing. I have my lease start date with my new complex to prove I was no longer living there as well as no negative info was provided to my new complex or me during that initial new tenant screening. The files were tampered with and this is fraud.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 2024-10-02
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. (WY)

I have filed numerous complaints on XXXX XXXX and equifax for not following reasonable procedures in regards to blocking deleting XXXX XXXX from my XXXX XXXX and equifax credit reports.ive filed XXXX ftc report and sent numerous dispute letters In regards to XXXX XXXX  account from credit reports.on XX/XX/year> this account was removed from my credit report and my score went up XXXX XXXX XX/XX/year> the credit agencies added it back on my credit report and my score went down XXXXthey violating my federally protected rights and I need your help protecting my rights.i am attaching proof that XXXX XXXX and equifax removed XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy from my consumer reports on XX/XX/XXXX and added it back on XXXX XXXX to section 605 6 ( a ) ( a ) they have duty to not to add items back on my report after removing them for identity theft.please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I'm trying to purchase a home for my XXXX kids XXXX XXXX XXXXplease help me.theybare causing much stress and XXXX XXXX from violating my rights.i really need you to step in and help protect my federal rights under 15 usc1681c-2 in regards to blocking this account I am a victim of identity theft and several data breaches.ive files ftc report which I'm attaching as proof as well as the dispute letter I've mailed to all 3 bureaus numerous times.
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: EQUIFAX, INC. (CA)

Re : Incorrect Personal Information To Whom It May Concern, Would you mind looking into this personal information for me- Seems a little awkward with certain information. I was going through my personal information on my credit and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? I mean, is there a reason why the personal information on my credit report contains errors? I looking at my credit report, and I noticed errors with my personal information, misspelled my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any other inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to bring to your attention some incorrect information on my credit report. The details listed below are fraudulent, and I have no association with them. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (FL)

Over the last year I have been dealing with an unauthorized inquiry from DISCOVER FINANCIAL. Reporting an unauthorized inquiry. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. 

I contacted DISCOVER, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. They admitted on there recorded phone line that I XXXX XXXX never had a application nor an account with DISCOVER FINANCIAL SERVICES. 

I also contacted XXXX, XXXX, and XXXX. Which each company placed blame on the other and advised me to call the CREDITOR and call the CREDIT BUREAU. Call the CREDIT BUREAU call the CREDITOR. It became very immature and aggravating. I was not able to get any sufficient answers nor any resolution. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

According to 15 U.S. Code 1681s2, XXXX XXXX has a duty to provide accurate information to the consumer reporting agencies. It is prohibited by law to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Good day, please read this complaint seriously. It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-08-22
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. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

All of this started in XXXX of this year when I purchased a Logo for a business idea I wanted to start, I found the company XXXX XXXX XXXX on a XXXX search because they were affordable and advertised as 100 % ownership rights after they make the design as I have attached in the evidence below. Everything went normal up until XXXX when a guy named " XXXX '' reached out to me sending me an email that had final notice on it which was weird because they never even sent me a first notice. Anyways, in the final notice as attached below, they said I needed to pay to cancel the logo or else I would be subject to a lawsuit of {$45000.00} by the federal government. I dont understand why I would need to cancel a logo that I never ended up using for a business but also they advertised as 100 % ownership rights and they were trying to get me to pay to cancel my own logo. I got scared and called the guy " XXXX '' asking what that was about and he basically told me that I needed to pay to cancel the logo in all XXXX states and that would come out to {$1000.00} in total for " Legal fees ''. After I said that I could not pay {$1000.00} he asked me " How much can you pay '' and I said I can only give XXXX and thats where in the attached file below you can see I got charged {$300.00} to my capital one savor card ( the charge I am disputing right now ) and {$350.00} to my chase credit card ( which I have already won the dispute ) and {$50.00} to my BMO debit card ( which I also have already won the dispute ). After I paid everything to not be sued so I thought, I did research about that company and found out that other people have had the same experience as me and they also disputed the charges. After that the next day I reported this business to the Better Business Bureau XXXX BBB ) & also to the NY fraud agencies. I then went to my local police department and filed a police report that I have attached below. I will provide more information here. XXXX Police Department ( XXXX, XXXX ) Case Report number : XXXX. Phone number for them ( XXXX ) XXXX ( ask for office XXXX XXXX )
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX ACCOUNT # XXXX SHOULD NOT BE ON MY CREDIT REPORT. THE FDCPA SECTION 807 ( 14 ) STATES THAT XXXX XXXX XXXX CAN NOT USE XXXX XXXX COMPANY NAME TO COLLECT A DEBT ALSO THE PAYMENT HISTORY ON THIS ACCOUNT IS ANOTHER VIOLATION.
Consumer complaint received 2024-10-07
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. (NJ)

I went to a used car dealership XX/XX/XXXX and they ran my credit 8 times without my permission. These credit pulls are from XXXX XXXX on XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024, XXXX XX/XX/2024.
Consumer complaint received 2024-10-07
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-07
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 XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-16
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. (OH)

I looked at my report back on XXXX XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts are not complete and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.