davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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. (TX)

I am writing to formally dispute several unauthorized hard inquiries on my credit report, listed below with the dates they were wrongfully conducted. I have been a victim of identity theft, which I have reported to the police and the XXXX  and I have the corresponding reports. I believe these unauthorized inquiries are another occurrence of the same theft. 

XXXX. Date : XX/XX/year>, conducted by XXXX XXXX XXXX. The inquiry is listed under the address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report. 

XXXX. Date : XX/XX/year> Unauthorized hard inquiry on my credit report conducted by XXXX XXXX XXXX The inquiry is listed under the address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report. 

XXXX. Date : XX/XX/year> : Unauthorized hard inquiry on my credit report dated XX/XX/year>, conducted by XXXX XXXX The inquiry is listed under the address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report.
Consumer complaint received 2024-06-11
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)

XX/XX/year> I called XXXX and Transunion they told me XXXX XXXX the furnisher told them they didnt send those inquiries out. Transunion nor XXXX deleted the inquiries
Consumer complaint received 2024-06-10
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)

Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that XXXX will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NY)

I wrote to Bloomingdale 's to dispute billing errors on my account. I first wrote on XX/XX/XXXX and never received response ( certified receipt ). I then wrote again on XX/XX/XXXX ( certified receipt ) and to date no response. These letters were addressed to the CEO. 
The amounts billed each month as I described in my first letter were incorrect. One month I owe thousands next month nothing. I was being charged for items returned months before. Payments I sent in were put on items to be paid XXXX and the item they say I did not pay I was charged lump sump of interest payment. I am and have requested that the errors be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. In the beginning I made calls to try and correct to no avail ( dates are in my letter ).
Consumer complaint received 2019-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Mortgage company accused of dual tracking but denies this. They changed the records of payments ledger fron plan payment to payment suspension. I'm providing record of trial payments and foreclosure sale date letter as well. 

And adding documents supporting unfounded money claimed after initial secured claim and payoff quote at time of bankruptcy filing. 

Also I want a breakdown of XXXX XXXX XXXX, NON CASH FEE ADJ, CORP ADV DISP, DecCorp Adv Deferred I, PMT-MISC SUSP, and MISC ADJ. 

Explained in FULL Also I've requested a ledger of PAYMENTS ONLY received by me. Do not add charges, fees, escrow, principal or balance, just the PAYMENTS received by myself since 2003.
Consumer complaint received 2024-06-10
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. (CA)

I am writing to formally dispute the presence of a fraudulent account on my credit report, which is currently being reported by TransUnion. Despite my earlier submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), as per your protocol, this account remains on my TransUnion credit report. Upon discovering this fraudulent account, I contacted the associated company, which has confirmed the fraudulent nature of the account and assured me of its removal from their records. Subsequently, the other major credit bureaus, namely XXXX and XXXX, have removed this account from their records after recognizing its fraudulent nature. 

I am perplexed as to why this fraudulent account continues to be reported by TransUnion despite being removed by the other credit bureaus. I have fulfilled all necessary requirements and provided all relevant documentation to support my claim of identity theft. 

I hereby request that you conduct a thorough investigation into this matter and immediately remove this fraudulent account from my TransUnion credit report. The company has acknowledged the fraudulent nature of this account, and its continued presence on my credit report is unwarranted and damaging to my creditworthiness. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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. (FL)

I am filing a complaint regarding the collection accounts reported by XXXX XXXX XXXX on my credit reports. I believe these accounts should be removed as they are not in compliance with the Fair Credit Reporting Act ( FCRA ), and my rights are being abused. 
XXXX XXXX XXXX XXXX Balance Owed : {$1400.00}
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$220.00}
Consumer complaint received 2024-06-10
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)

Recently I looked at a copy of my credit report and noticed that several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that XXXX will investigate this account to ensure accuracy. Here is the account I'm asking you to verify as accurate : XXXX XXXX XXXX
Consumer complaint received 2024-06-10
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. (NY)

I sent the 3 credit bureaus again a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXXXXXX Balance : {$860.00} XXXX  XXXX XXXX Balance : {$720.00}
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-18
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. (TX)

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, XXXX : XXXX, XXXX XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX XXXX XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX  : 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 information is inaccurate.
Consumer complaint received 2024-06-10
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. (MO)

Transunion and XXXX have been reporting information on my credit file that is not authorized. I have sent each of these companies opt-out notices to prevent sharing of my information. The following companies are not authorized to share my information with affiliates or non-affiliates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the Privacy Notice provided by each of these companies, Federal law gives me the right to limit only 1 - sharing for affiliates ' everyday business purposes-information about your creditworthiness 2 - affiliates from using your information to market to you 3 - sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. 

Transunion and XXXX are not only in violation of Federal Law, but are not affiliates of any of these companies. In accordance with their Privacy Notices, Affiliates are companies related by common ownership or control. Sharing my information about credit-worthiness is not authorized, and this fact is supported by the Privacy Notices they have provided, and my mailed requests to opt-out of such reporting. 

I have submitted multiple complaints via the companies as well as the CFPB.
Consumer complaint received 2024-06-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The car was insured upon purchase. Progressive full cover. In XX/XX/year>, the car was taken to the XXXX XXXX XXXX XXXX dealership.The dealership examined the car and said that it the near future. The dealership said it was a My son waited and lived in a hotel next to the car dealership. 
From XX/XX/year> to XX/XX/year>. And every day I visited the car dealership and recorded it on video. 
The last time at the car dealership was on XX/XX/year>, my son was told that replacing the engine would take XXXX months. 
The son was given a piece of paper with the inscription that there was no engine in the car and they would be waiting for a new engine from the factory. And for my son to return to XXXX XXXX. And they said they would call when the car was ready. 
With this paper I returned License Plate to the DMV And then she suspended the insurance When the bank called me and said that the car was repaired, who will take it : you or the bank? I asked why bank? I pay money every month to the bank, what is the problem with the bank? and said dont touch my car, Ill take it myself. I called the dealership and asked if they had made the car and when could I pick it up? They said the car wasn't fixed! I was shocked! 
I waited and thought that the dealership was still repairing the car! I hired a lawyer. And the plan included inspecting the car. and then pick it up. But the bank got ahead of me and took my car without my permission and without inspection! Where is the guarantee that the car will be returned safe and sound? Now I don't know what to do! In my opinion, the car has already turned into trash! Where is the guarantee that all the details are in place! 
After all this time, I wanted the factory to take the defective product back! 
WHERE'S THE JUSTICE?! I barely WORK AND ALL THE MONEY GOES ON CREDIT! FOR A DEFECTIVE PRODUCT LOCATED IN THE DEALER 'S STORE FOR A YEAR
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-21
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. (NC)

I have sent my disputes, to Experian with Tracking via USPS. USPS Verify your identity, when you pay for postal with a card. Somehow, I received a Stall letter. to extend pass the 30-day mark claim my disputes were suspicious even though there were the same as the last 6 disputes.

15 U.S. Code 1681e b ensures accuracy from federal law. 15 U.S. Code 1681i5A states after reinvestigation all inaccurate information must be promptly removed.

willfully and intentionally neglectful in reporting inaccurate information, this account was recently disputed without being thoroughly investigated. 



From Experian XXXX XXXX, We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validatedispute or call us at XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. 
Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here!
Consumer complaint received 2024-06-10
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-10
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. (NY)

I tried many different forms to disputes these account and they keep sending all documents without no proof of the address and my hand writing of signatures all these accounts and inquires are not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is Reporting a late payment on my credit report. I have reported this incorrect and also asked for this to be corrected and updated.I have repeatedly asked to update or send information from investigation. To this date I have yet to receive any information or proof this information is correct. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 5 USC 1681 section 6 o 2 states. I have the right to privacy ( 15 USC 1681 ( section 6 0 4 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 go late for any purpose.
Consumer complaint received 2024-06-10
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)

I would like to dispute off the following items on my credit report. 

XXXX : XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TRANSUNION : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2024-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XXXX # XXXX is a fraudulent account I never opened this account nor did I authorize anyone to open this account XXXX XXXX {$1400.00} is fraudulent I also have 3 child support cases that are in forbearance as well as litigation I asked to have these deleted off my report until after the litigation was done 2 of the accounts are the same accounts Please delete them
Consumer complaint received 2024-06-10
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. (GA)

According to my consumer report I received XX/XX/XXXX there was an error that on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX there is a late payment posting there has never been late on this account i have tried to fix this issue with XXXX credit bureaus as a result it came back as just an updated account still publishing a late payment that needs to be removed immediately.. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. This account XXXXXXXX XXXX XXXX  needs to be updated as paid as agreed, NO LATE PAYMENT on XXXX, Transunion, XXXX and any other furnishes of my personal credit.