davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
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. (VA)

I am writing to dispute the following information that appears on my XXXX, XXXX, and Equifax report from XX/XX/XXXX : Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Multiple inquiries were made on my credit report within one day of each other. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report.

Inquiry from EQUIFAX MTG on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately.

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information immediately. Thank you for your assistance.
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX Facts : XXXX  is aware and has proof in the attachment labeled as Exhibit XXXX XXXX OF XXXX Account # **** is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX OF XXXX Account # **** is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (FL)

Around XXXXXXXX XXXX XXXX, I saw a video ad on social media that peaked my interest. I was going into the insurance business and it was a dual funnel system to generate leads for me. I thought, great, if this program works to generate leads for me I dont have to buy any from sketchy vendors, nor chase leads as the program said helps to reduce. I set up a call to learn more. I got on the call XX/XX/2022, the salesman said that I would have a personal mentor who would help me set up the program to generate leads and that I would make {$30000.00} per month. I purchased the program, paying half, {$3900.00}, at the moment and the salesman did not mention when I would have to pay the rest, but that he wanted me to see the program and swore on religious practices that it would be helpful. He also mentioned that if the program was not a good fit, that I could withdraw and receive a refund. 
AFTER they charged my card, they sent me a docusign, which he said I had to sign, which was the terms of service. Out of good faith, I signed. I got access to the program. 
I then saw that they were all modules, it was a classNOT a program that would generate leads for me. I had to do it all. 


I was deceived into making a purchase for a service to generate leads for me. The sale was over the phone in which no payment plan details were given nor was a receipt stating what it was I was actually purchasing and I paid half of it in the moment. I started the program I purchased, and it was not as agreed or described by the salesman. 
I used my Apple Card. 
I requested to cancel with the merchant the following week, given that the salesman on the phone said I could if the purchase didnt fit my needs. I talked to the salesman on the phone, he said he would talk to his higher ups but that he wanted me to really give it a chance. He also said that I would not be charged for the other half of the price until we came to a resolution. He never got back to me, the following month I was charged the second half, and then began the dispute with Apple Card. 
The dispute has now ended a few times not in my favor. Multiple times I have submitted emails showing that the merchant stopped responding to me on multiple different occasions. Goldman Sachs/Apple Card is not even looking at my evidence nor considering it. I do not feel heard at all by Goldman Sachs/Apple Card with my dispute.
Consumer complaint received 2024-09-05
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. (FL)

This version is slightly more formal and structured for clarity. I am writing to formally dispute several inaccuracies on my credit report that persist despite prior verification efforts, which indicated the information was accurate and verified report # XXXX. 

These discrepancies pertain specifically to my XXXX XXXX account ( # XXXX ). 
1. **Past Due Balance on Charge-Off : ** The report shows a past due balance of {$3700.00} on an account that was charged off. It is unclear how this balance remains after the charge-off occurred. I request clarification on this issue? 
2. **Inconsistent Charge-off : ** The account was originally flagged for charge-off by XXXX XXXX on XX/XX/XXXX showing on your report, under the payment summary it shows a charge-off starting XXXXXXXX XXXX XXXXXXXX. I request clarification on this issue? However, this account is listed as a charge-off under your Grid Code : L. According to XXXX glossary ( BCI ), a charge-off does not have a recurring charge off code in the payment status of your glossary, yet my report shows recurring charge-offs each month. This does not align with XXXX guidelines and must be addressed. Given these inconsistencies, I request a full validation of this account, including a copy of the originally signed contract bearing my signature. Additionally, I would like to remind you that, as of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) amended the Fair Credit Reporting Act ( FCRA ) Summary of Consumer Rights. Consumer reporting agencies are now required to provide consumers with this updated summary whenever there is a request for disclosure of their consumer file. Please ensure this is included in your response. Thank you for your prompt attention to this matter. I expect a thorough investigation and the deletion of these inaccuracies. 

Proof of documentation is uploaded.
Consumer complaint received 2024-09-30
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. (TX)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit Items that need to be disputed : 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 XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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. (CA)

To Whom It May Concern, I am writing to inform you of a severe and urgent issue regarding the compromise of my Social Security number, which has made me a victim of a data breach and identity theft. I have already contacted the Federal Trade Commission ( FTC ) and filed an official FTC Report, which is enclosed with this correspondence. I am demanding that you, as a credit reporting agency, immediately block and remove all fraudulent information from my credit report as required under 15 U.S.C. 1681c-2 ( c ) ( a ). This statute mandates that you act within 4 business days of receiving my complaint. It is outrageous that the following items remain on my credit report, despite this clear requirement : XXXX XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX XXXXXXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Consumer complaint received 2024-09-30
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. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer XXXX report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX Account : XXXX, Account # XXXX Amount {$15000.00}, XXXX, XXXX XXXX XXXX XXXX  Account XXXX, XXXX, XXXXXXXX XXXX XXXX Balance Owed : $ XXXX Opened : XXXX, Account # : XXXX, XXXX XXXX XXXX  account Balance Owed : {$2400.00} Date XXXX Account # XXXX, XXXX, XXXX Account # : XXXX, Balance Owed XXXX {$1500.00} Date XXXX, XXXX XXXX Account # XXXX, Balance Owed : {$1500.00}, Date XXXX XXXX Radius global Solution Account # XXXX, Balance Owed : $ XXXX XXXX, XXXX XXXX XXXX Account # XXXX, Balance Owed : {$210.00}, Date XXXX. Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-30
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)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




ONLINE INFORMATION SER ( Original Creditor : 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-30
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. (OH)

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 RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX if the consumer has provided documentation of XXXX to the agency. I have attached a documentation of my self attestation to you TransUnion Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
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. (FL)

Good day this is the third time I'm writing in regards of this issue and although I've gotten this message below but yet when I checked my credit report the XXXX XXXX  account was still reporting would kindly please remove it thank you to show more how this Account does not belong to me the information on there dos not correspond with all 3 bureaus. pleas remove it it's really holding me down in life. and I would also like to remove the inquiries on my report, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. 

, DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Name - REMOVED Address - UPDATED Telephone number -REMOVED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX-DELETED XXXX XXXX XXXX XXXX-DELETED Maintenance was performed on the following accounts and/or public records. XXXX XXXXDELETED XXXX XXXX-DELETED XXXX XXXXDELETED XXXX XXXX-DELETED Other miscellaneous actions take based on your request were : Inquiry - DELETED
Consumer complaint received 2024-09-30
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. (IL)

To Whom It May Concern, If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice before my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly about the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. Upon reviewing my consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to Remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Collections that are being challenged : XXXX XXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Consumer complaint received 2024-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (MO)

Pursaint to complaint filed XXXX & XXXX. New Rez is engaged in creating a paper trail of false statements. NewRez Is saying Iam behind to the sum of {$2300.00} U S Dollars. When in fact they creating old lies mixing it with present data and neglecting to show they refused XXXX payment of {$1300.00} and they only took {$300.00} but previously levied close to {$1000.00} worth of fines.