davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
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. (SC)

Transunion, XXXX, and XXXX continue to report several inquiries that that I didnt not initiate or authorize. This means the consumer agencies released my information without my consent and now this makes this liable for damages. 

The inquiries in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not initiate XXXX inquiries and they should XXXX XXXX.
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is a follow up complaint to one filed on XXXX XXXX. I have consulted legal counsel to bring resolution to this matter, as I am exhaustind dealing with Bank of America I have been the victim of identity theft and have had two fraudulent credit cards opened in my name. I received another credit card in the mail with a credit line on {$27000.00} two days ago. This is all despite the fact my credit is frozen with all three credit bureaus, and I have no credit inquiries from Bank of America. I called the BoA fraud line on XX/XX/2023, to report that I had received notification via email that I had been approved for a BoA credit card. I was also informed that a credit card application was submitted on my behalf on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was given a Complaint Reference ID XXXX.
Consumer complaint received 2024-06-26
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. (NJ)

Ive recently received a copy of my credit report and noticed several inaccuracies in unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-26
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. (SC)

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 XXXX  XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX Account XXXX XXXX, and XXXX XXXX Account # XXXX has violated my rights. 

156 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/year> I disputed XXXX accounts containing incomplete & inaccurate information on my credit report. Those accounts were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted all XXXX CRA via mail asking them to stop reporting inaccurate/incomplete information and income on my credit file. 

All XXXX accounts are " Charged off as bad debt '' and consists of incorrect information regarding date opened, date of last activity, past due amounts, and/or account status.

Pursauant to U.S.C. 1681 of the FCRA, not only is this affecting my credit worthiness and standing by the inaccurate/incomplete information reported, its also impairing the U.S. banking system. Under the IRS Publication 4681 these above accounts are consider " Gross Income. ''
Consumer complaint received 2023-11-20
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. (AR)

I am writing to formally express my dissatisfaction with the multiple attempts made to correct the late opening of my account with your company. I believe that the repeated efforts have not yielded the desired results, and I am left with unresolved issues. 

I initially contacted your customer service department to address the tardiness in opening my accounts. Despite my efforts and the subsequent attempts made by your team, the issue persists, and it has caused significant inconvenience and frustration. 

Despite these multiple efforts, the matter remains unresolved, and I find it necessary to escalate this complaint formally. The late opening of my account has not only affected my ability to use the services promptly but has also resulted in [ mention any specific consequences or difficulties you have faced as a result. 

I request a thorough investigation into this matter and a prompt resolution. Additionally, I would appreciate regular updates on the progress made towards rectifying the situation. 

If this issue is not resolved satisfactorily within the exact timeframefrom the date of this letter, I may have no choice but to explore alternative avenues to address this matter, including filing a complaint with relevant regulatory bodies. 

I believe in a fair and prompt resolution to this matter and trust that your company values its customers ' satisfaction. I am hopeful that this complaint will serve as a catalyst for addressing and rectifying the issues surrounding the late opening of my accounts. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-15
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)

I have already filed a complaint with the three credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life
Consumer complaint received 2024-06-25
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: Experian Information Solutions Inc. (PA)

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.
Consumer complaint received 2024-06-25
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX Experian lured me to sign up for a free credit monitoring service named Experian XXXX. ( I just found out it won't be free after XX/XX/XXXX ). Ever since then I have not been able to access my Experian account. No way to talk to a live person calling their customer service number XXXX. The recording just goes around in circle. Only way to talk to them is by calling Experian Identityworks and have them forward the calls. ( I was told that they are two different entities but evidently they are very closely related ) I am no longer able to access my Experian account. I was told by Experian representative that in order to access my Experian account, I have to accept another subscription. Right now I can't see my own Experian account to verify whether my credit is frozen or not, let alone freeze or unfreeze it. They are practically taking my Experian account hostage!! I don't trust what they are telling me over the phone because the rep that I talked to gave me information that I know is incorrect. Besides, I should have every right to access my account just like all other consumers. Other people I know without the Experian XXXX account have no problems at all accessing their accounts. Please help me gain online access again to my Experian account.
Consumer complaint received 2024-08-15
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. (PA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

POLICE AND FIRE FCU Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-15
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. (VT)

I received notification from XXXX XXXX XXXX that my Social Security number was leaked in a data breach. So I went and froze my credit with all XXXX bureaus. My Social Security and personal information were used to apply for a XXXX XXXX  card where the inquiry was blocked by Trans Union. They proceeded to still issue a credit card with a XXXX $ limit. Upon calling them they treated as if I applied for this credit card.
Consumer complaint received 2024-08-15
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. (IL)

XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX FIFTH THIRD XX/XX/XXXX COAF XX/XX/XXXX CAPITAL XXXX AUTO FINANCE XX/XX/XXXX CAPITAL XXXX AUTO FINANCE XX/XX/XXXX
Consumer complaint received 2024-06-25
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. (IL)

A

fter Speaking with the courthouse asking do the report bankruptcies to the credit bureaus and they respond was NO " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

I was denied to open up a bank account with a certain Branch and was told they pulled my Chexsystem and once I reviewed it I saw that I had an ACCOUNT ABUSE LISTED for Source of Information : XXXX XXXX  ; XXXX XXXX XXXX XXXX, XXXX, DE XXXX Phone Number : Telephone Number Not Available Reported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX Date of Closure : XX/XX/year> RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : I disputed this information based on the fact that I was XXXX XXXX XXXX XXXX during the time the account was opened and closed
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXXXXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX  XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX  XXXX XXXX inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I reviewed my consumer reports and noticed that I had as many as 7 late payments reported on an account that I was never late in paying. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts from student loan servicer XXXX that I am attaching and reporting as inaccurate today. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-25
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. (NM)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.