davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-15
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-15
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of birth XX/XX/XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear Transunion : ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several frauds/unauthorized inquiries listed. As a reference, please see the below inquiries : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Transunion furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Transunion resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-08-31
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. (TX)

According to U.S. Code 6802, financial institutions are required to provide customers with a clear and conspicuous notice that accurately reflects the institutions privacy policies and practices. This includes the institutions policies with respect to disclosing nonpublic personal information to third parties, as well as providing customers with the opportunity to opt out of such disclosures.National credit adjusters, all state, and XXXX XXXX XXXX accounts reported on my report. 
Sure, heres a template for disputing an issue related to XXXX Code XXXX, which pertains to the sharing of nonpublic personal information by financial institutions : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Name of the Financial Institution ] [ Institution Address ] [ City, State, ZIP Code ] Subject : Dispute of Nonpublic Personal Information Sharing - Violation of XXXX Code XXXX To Whom It XXXX Concern, I am writing to formally dispute the sharing of my nonpublic personal information by your institution, which I believe constitutes a violation of U.S. Code 6802 under the Gramm-Leach-Bliley Act ( GLBA ).

According to U.S. Code 6802, financial institutions are required to provide customers with a clear and conspicuous notice that accurately reflects the institutions privacy policies and practices. This includes the institutions policies with respect to disclosing nonpublic personal information to third parties, as well as providing customers with the opportunity to opt out of such disclosures. 

I have recently become aware that my equaifax and experian shared nonpublic personal information was shared with all state, XXXX XXXX XXXX, national credit adjusters without my explicit consent and without receiving the appropriate opt-out notices required by law. This action is a direct violation of the protections afforded to me under U.S. Code 6802.
Consumer complaint received 2024-08-31
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 ACCOUNT NAME : XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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
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: EQUIFAX, INC. (OH)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXXXXXX XXXX Date Opened XX/XX/XXXX {$2400.00} capital one Date Opened XX/XX/XXXX {$3100.00} capital one Date Opened XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$28000.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Every tine a deposit is made that the CHASE bank does not think is proper it closes my accounts. Bank in XX/XX/XXXX I had a small overdraft that I attempted to correct, less than {$10.00} most likely less then {$5.00} by joining my XXXX XXXX account. when XXXX XXXX tried to verify the Chase account thru two small deposits of less than {$1.00} the bank, Chase, refused the deposits. I attempted twice to full filly my obligations by using this means. After the bank refused the deposited it charged me up to {$500.00} in fees for their failure to accept the linkage. My account was then closed. Finally I had to settle with a nasty Chase collector, he was located in TX, in XX/XX/XXXX. just to end the argument and not submitting my lawyers " Indigence ''. For a XXXX dollar over draft I had to endure over active bankers trying to make money on their own failure to give proper service. 

Just Recently after having several deposits from individuals not be legitimate, the bank, Chase closed all my accounts for the second time. For up to ninety day I was told that the deposits were good and received, then with out notice I was being investigated and my accounts close. Nothing i had done personally or with any fore knowledge had case the problems. 

Chase will tell you that they do not discriminate, but this is a falsehood on their part. As they do discriminate. When they do not want to give good service, Chase will treat their customers without regard to good customer service, treating their clients as if they were thieves with out good cause. They treat small accounts differently from large accounts. Because they are willing to be more compromising to larger accounts than smaller accounts. 

No one is perfect and is above have a few problems during a relationship with a company that spans many years. How ever Chase does not make mistakes and if they do they throw them into the street so that they are hidden and do not affect it data reports. 
And the employees are safe from any negative exposure. Chase is a large organization that its employees hide their bias and bad service by aggressive handling of accounts. At Chase the employees want large account for their egos and the have little regard for the small accounts My opinion about chase and it treatment of me is that it believes it has a monopoly, Therefor CHASE needs to be broken down into smaller parts. CHASE need to come down from it ivory tower and learn about the real world and that XXXX happen to good people from time to time. XXXX also told XXXX they were were of the earth and so must endure the world as everyone else. Banking brought us in to the digital age and with it cam all of the problems of a new system and all of its faults. Throwing the baby out with the dirty water does not make sense. When it is ordinary to get dirty.
Consumer complaint received 2024-03-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Forest Recovery Services LLC (NY)

I repeatedly being harassed over the phone, debt collector gained access to my PII through rental abuser  who is continuing their stalking  unexplained. I paid rent on time until rental property at XXXX XXXX decided to sell the property and was forcing tenants to sign new contracts.
Consumer complaint received 2024-05-15
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. (TX)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. You are required to do what I am asking and block these transactions listed in my FTC report and letter attached. The identification of these transactions are stated in my FTC report and in my letter attached. You are required to block these transactions on my consumer report within 4 days of the receipt of this notice.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The Following Hard Inquiries Are Fraudulent And Need To Be Blocked And Deleted From My Consumer File Immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX F XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (IN)

I have already paid the original amount owed- {$800.00}, and yet am continued to be charged {$140.00} every pay period. To date, I've paid a total amount of {$1900.00}. This type of exorbitant interest is absurd! I certainly am not the only individual who has had this type of experience! Here are the following payments : Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XXXX XXXX, XXXX  - PAYMENT Payment Amount {$140.00} Date Paid XXXX XXXXXXXX XXXX  - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00} Date Paid XX/XX/year> - PAYMENT Payment Amount {$140.00}
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (FL)

NEVER HEARD OF THIS COMPANY. i ASKED THEM FOR AN ORIGINAL CONTRACT WITH A WET SIGNATURE AND XXXX, I ALSO ASKED THIS COMPANY FOR FULL RECORD OF ACCOUNTING AND I ASKED THIS COMPANY FOR INSURANCE CONNECTED TO THIS ASSUMED DEBT AND I ALSO ASKED THEM TO CEASE AND DESIST.

1692c - Communication in connection with debt collection - Civil Liability for Willful Noncompliance, Civil Liability for Negligent Noncompliance Monetary fines for each violation, which can vary based on the severity and frequency of the violations.
Consumer complaint received 2024-08-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
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)

I was completely taken aback when I saw inaccurate accounts on my credit report this morning. Im at a loss as to how they even got there. I do my regular checks, and today, out of nowhere, there were discrepancies that just dont make sense. I even refreshed my browser, hoping it was a glitch, but the errors didnt go away. Im really frustrated by this and just want to ensure the documents Ive sent are carefully reviewed so I can stop worrying about this happening again.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A checking account with XXXX XXXX  was opened last year. This was disputed ( Case XXXX ) and closed. There is still a personal loan open on my credit report with XXXX XXXX  from XX/XX/22 {$9900.00} account balance. Account number XXXX ( last 4 dont show on TransUnion credit report ) This is another identity theft issue left unresolved for over 8 months.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-15
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. (CA)

After reviewing my recent credit report, I have noticed discrepancies that require immediate action. Specifically, concerning this account : XXXX XXXX XXXX XXXX 

The respective company has acknowledged this errors and has committed to rectifying them by updating the status to open/never late. Other credit bureaus have already made the necessary corrections after the companies recognized the inaccuracies in the account.

I am requesting a comprehensive investigation into this account and prompt communication of the findings via mail. As per the information available online, such disputes should ideally be resolved within 30 days. Therefore, I anticipate receiving your response within this timeframe.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (LA)

XX/XX/XXXX {$260.00} I have disputed the collection. 
This is negatively affecting my credit. 
Original creditor XXXX Account opened XX/XX/XXXX. 
Last reported XX/XX/XXXX. 
A collection agency is reporting incorrect information on my credit report. It shows an account that has a past due balance. Collection, there should be no balance, past due or otherwise on the account. I do not have a contract with the collection agency that is reporting incorrect information. Also, this collection agency brought the original contract and the debt. Commerce law 15 usc 1681.
Consumer complaint received 2024-09-03
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. (FL)

Subject : Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2023-05-10
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. (CA)

In accordance with the fair credit reporting act, the list of accounts below have 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 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681S-2 ( 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 A CRIME WHICH ANTEDATES THE REPOT 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 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.