davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-14
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. (NY)

The Following inquiries were made on my account without my knowledge. I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to 15 USC 1681EB, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

XXXX  Inquiries Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XX/XX/XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX  Reported XXXX XXXX, XXXX by XXXX XXXX
Consumer complaint received 2024-09-14
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. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-14
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. (OH)

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 of a a person XXXX XXXX XXXX XXXX XXXXpened XXXX XXXX under account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX account number ( private ), a credit card opened at XXXX XXXX  on XXXX account number ( private ), an inquiry from XXXX XXXX, another inquiry from XXXX  to XXXX i demand all fraudulent accounts be removed immediately from all 3 of my consumer credit reports pursuant to my rights within the FCRA FDCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 recoanize the atorementioned 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 atorementioned accounts. collections. and hard inquiries are the result of identitv theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 2023-03-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (TX)

I already contacted consumer finance about this and the company said they would quit contacting me but they have not. Also, they did not answer as to whether or not they were going to cancel the debt. I advised I had no proof of this debt other than XXXX saying I owe it. I have no business with XXXX. They have no proof I owe this money. I asked them to give proof I owe it and I would pay it. They have yet to offer up proof other than their word. A stranger on XXXX XXXX can say I owe money to them but, they are a stranger without a relationship to me. I have no proof. Attached you will find their bill, my letter to them, their letter with the itemized bill and my certified mail receipt. You will note the itemized bill states " You are not being asked to pay the itemized amounts listed above. The amount you owe after all insurance payments and adjustments will be on your hospital bill. '' I never received such bill or it would have been paid.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 U.S.C 1681. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency 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 2024-08-28
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)

On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Sir/Madam, I am writing to formally request the removal of an address listed on my consumer credit report that is inaccurate and reflects an address at which I have never resided. The inclusion of this incorrect information violates your obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e - Compliance procedures, and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
The erroneous address currently listed is : Incorrect Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NY XXXX Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Additionally, per 15 U.S. Code 1681i ( a ), upon notification of a dispute, agencies are obligated to investigate and correct any inaccuracies in a timely manner. 
I request that this inaccurate address be removed from my credit report immediately and that the necessary corrections are made to reflect only accurate and verifiable information. Please confirm in writing once this has been completed. 
Thank you for your prompt attention to this matter. I trust that you will resolve this issue in compliance with the FCRA. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XXXX still reports all of my student loans, even though the account has been transferred to XXXX. Please delete all XXXX accounts from my credit reports, as they have caused me severe financial hardship and denied me access to credit. All accounts from XXXX contain incorrect and outdated information and should be removed immediately
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I first purchase my time share back on XX/XX/XXXX I asked if this Time Share was apart of credit. I was told No. I was explained that because I choose the package base on what I could afford for my monthly payment that this had nothing to do with my credit. I was told that as long as I made my payments my balance would decrease. I continued to make my payments up to XX/XX/XXXX until I realized that all the money I had paid never decreased my balance. I Met with a representative on XXXX and explained to them that I was not interested in the time share based on there misrepresentation on there behalf. I was asked to sign a Document which I declined I was then shown documents that showed a very high interest and was told that's why my balance never decreased. I was told that they would help me but all they did was pull my credit with out my consent offering me a different property. since then I stop making payments because from XXXX to XXXX My time shared should have been paid off. I am a victim of fraud I was told lies to purchase the time share and once I made them aware of their fraudulent acts they started to report negative on my credit report. I receive six calls a in total on both of my phone numbers from this company. I stopped answering their calls because I was threaten that if I didn't pay that this would only effect my credit. I asked for ways to close this account because of their false representation. All they offered was higher packages in different locations. This has a been a nightmare and has had a horrible impact on my credit. They Lied to me to get me to purchase this Time share I didn't figure out the truth to years later when i knew it should have been paid off and that they had pulled my credit to get me approved for the package that i choose. Every time I stay at the time share I was told that I owned i had to pay {$500.00} to {$1000.00} to stay there. So I paid a Mortgage and I paid to rent when i stayed this is Fraud.
Consumer complaint received 2024-09-14
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. (MI)

Pursuant to FCRA 1605b, this company is required by Federal law to block within four days, all accounts listed in an FTC Identity theft affidavit, to which Ive also had notarized. This company was mailed in proof of my identity along with the other required documentation for them to proceed with my request. They have failed to adhere to the law concerning this matter as it still reflects on my alleged consumer credit report file.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-05
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. (SC)

I have inquiries on my credit report from all XXXX bureaus Experian, XXXX, and XXXX. By law code 15 usc 6802. I have not received a disclosure on these inquiries. I have not agreed to any of these matters. I ask that all inquiries are removed from my credit report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This is about the fourth or fifth time now in the year XXXX, I keep telling the bureaus they are listing inaccurate information or incomplete but they only delete certain items not all. Here are more details on the accounts that should be deleted! 

To whom it may concern : According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports that is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. After disputes online and multiple complaints via the CFPB and disputes by Certified Mail, inaccurate information continues to be listed on my credit report and should be deleted immediately. I have compiled a list of date on my report attached to this complaint and one has been sent via USPS mail to the agency.
Consumer complaint received 2024-08-28
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. (PA)

This morning, I was shocked to find incorrect accounts listed on my credit report. I cant understand how this could have happened. When I checked my report as I usually do, I was blindsided by discrepancies that werent there before. I tried refreshing the page, thinking it might be a browser issue, but the inaccurate accounts remained. This has really shaken me, and Im pleading for a thorough check of the documents Ive provided so I never have to deal with this stress again.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 2024-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

This is a follow-up to complaint XXXX XXXX continues to assert that JPMorgan was the institution that applied a XXXX XXXX XXXX  wire transfer to the wrong account at JPMorgan. {$340000.00} of the {$350000.00} was returned on XXXX XXXX XXXX The remaining {$6700.00} remains outstanding with JPMorgan claiming they can not access the funds ( which again seemed to have been applied to an outside account in error ).
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC. (LA)

15 U.S. Code 1692j Request : Entire credit file activity from credit bureau verification of identity, contract w/signatures, state identification of signor, original contract, payment receipts, certified mail notices, initial dealership documents and signatures after credit bureau approval to loan. Send me the entire approved credit file from the 3 main credit bureaus, all financial records including signer down payment, repo request ; vehicle tax, title, license receipt ; addresses, resale of vehicle and deposition documents.