davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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. (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 XXXX XXXX XXXX. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 2024-05-02
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)

In accordance with The Fair credit reporting act XXXX XXXX account XXXX has violated my rights. 

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

15 U.S.C. 1681 section 602 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-10
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-04-30
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)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. I should be compensated {$1000.00} for each incorrect entry on my credit file.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently obtained a copy of my credit report and found XXXX XXXX XXXX is reporting on my credit report inaccurately. According to 42 US Code 1320d-6 WRONGFUL disclosure of individually identifiable health information, this is a VIOLATION OF CONSUMER RIGHTS! 

This must be deleted immediately.
Consumer complaint received 2024-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year>, I submitted a formal request to TransUnion seeking specific details regarding the verification process they undertook concerning disputed negative accounts appearing on my credit report. These disputed accounts include : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Money Lion - Account Number : XXXX The information I specifically requested from TransUnion included : Date of Contact with Creditor, Creditor Contact Information, Name of Person Who Verified the Items, Method of Communication Used for Verification, and whether Creditor Provided My SSN, Date of Birth, and Address. Despite my clear and reasonable request, TransUnion refused to provide the requested information. I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. However, I received a response back from TransUnion dated XX/XX/year>, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This refusal is particularly disconcerting given that they previously asserted the accuracy of the aforementioned accounts. TransUnion 's refusal to furnish the details regarding the verification process raises concerns regarding the accuracy and legitimacy of the reported negative accounts. TransUnion 's failure to disclose essential information about the verification process undermines transparency and consumer trust. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed again my TransUnion, XXXX and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-05-02
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-02
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. (RI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (TX)

There are issues with this account I don't using the balnace I do not have this card I am based in the XXXX and live in XXXX, I asked for my signture on any documents I have yet to receive, I have ask for this to be removed from all of my credit files
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I filed a dispute several times and never received a response from XXXX XXXX and I sent them letters twice in the last 6 months and I am tried of it. They never responded to me an I allowed them more than enough time even past the time the law allows
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX  wrongly accused me to obtained XXXX visa credit card. when I dispute with XXXX XXXX XXXX XXXX  failed to provide any proof and evidence so XXXX XXXX XXXX XXXX and their Law firm XXXX XXXX XXXX XXXX XXXX send apology to me. Please see Exhibit " A ''. 
XXXX XXXX XXXX have violated Federal laws, Fair Credit Reporting Act, XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( A ) Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA. Consumer protection afforded by the FCRA FCRA Section XXXX ( c ) Running of the reporting period {$1000.00} per event.
Consumer complaint received 2024-04-09
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)

Upon reviewing my credit report from XXXX, Experian and XXXX I discovered several hard inquiries that I did not authorize or initiate. These inquiries are damaging to my credit score and may adversely affect my ability to obtain credit in the future. 

The unauthorized hard inquiries listed on my credit report are as follows : On XX/XX/year> XXXX On XX/XX/year> XXXX XXXXXXXX XXXX  XXXX XX/XX/year> XXXXXXXX XXXX I have not applied for credit or authorized any inquiries from the companies listed above. These unauthorized inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, Subsection ( a ) ( 1 ) ( A ). According to the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit reports and request that it be corrected or removed.

Section 611, Subsection ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies are required to conduct a reasonable investigation into any dispute filed by a consumer regarding the accuracy of information on their credit report. This investigation must be completed within 30 days of receiving the dispute. Additionally, the FCRA mandates that credit reporting agencies must provide consumers with a written explanation of the results of the investigation and any actions taken as a result.

In accordance with the FCRA, I am requesting that you investigate these unauthorized inquiries and provide me with a written explanation of your findings. Please also provide me with copies of any documentation or evidence you used to verify the legitimacy of these inquiries.

I expect a prompt resolution to this matter, as these unauthorized inquiries are negatively impacting my creditworthiness and financial standing.

I have already reached out to the companies and credit bureaus and was provided any assistance.

All credit bureaus have a copy of my driver 's license and social security card that was provided previously.

Thank you for your attention to this dispute. Please send any correspondence regarding this matter to the address you have listed on my credit profile.
Consumer complaint received 2024-04-09
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. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I wanted these items Deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was a victim of this data breach and Equifax has done nothing, Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Currently o my consumer report there is an item being reported that should not be due to the fact that the account has been charged off. According to the IRS a " charge off '' should not be reported because it's considered ordinary income and income shall not be reported on any consumer report. The last update date was XX/XX/year> and the last payment date is reporting as XXXX XXXX. Attached you will find copy B of the 1099c.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

I mobile deposited my husbands checks on my checking account and he signed it, they couldnt verify the checks so they froze my account and held the checks. They said in order to verify they would have to call my husband and verify from phone number but I changed carriers and nothing has happened I went to a branch with 3 forms of id with him and they said they could not do anything else which I dont understand HOW that happens if fraud can be Done that way as well I mean we went physically but they cant verify at the branch anymore but its around XXXX dollars and they said after XXXX yrs it will be sent to the state collections which I feel like thats illegal to do I just still dont understand how they cant verify physically i know there is machines where you can tell the ids are legit
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

received a late payment notification from Citi Bank. This card is used for emergencies only and I probably only charge XXXX XXXX dollars on it annually, so when I got the late charge notification, I checked online the activity. The card in question has ALWAYS been in my possession. 
Starting XXXX is when the fraud starts. There are XXXX charges for XXXX at XXXX XXXX on XX/XX/XXXX. XXXX more charges on XX/XX/XXXX for the same XXXX and XXXX charge for XXXX, XXXX, and XXXX at XXXX and XXXX for XXXX. On XX/XX/XXXX a total of XXXX charges at XXXX XXXX all at XXXX per. XX/XX/XXXX has a total of XXXX charges at XXXX XXXX for XXXX per. XX/XX/XXXX has XXXX charges at XXXX XXXX all for XXXX per. 
So, we have a total of XXXX charges at XXXX XXXX in 6 days... all for XXXX each. XXXX at XXXX and XXXX at XXXX. 
There are also 3 charges totaling XXXX to XXXX XXXX XXXX XXXX, which is a commercial cleaning company in XXXX, AL. I have spoken with the owner from XXXX XXXX, and the said that they are also a Citi Bank customer and they have also been hacked with people running cards through their system. Her name is XXXX XXXX XXXX XXXX ). She also gave me the number of the private investigator who is working on her case, we also spoke with. His name is XXXX XXXX ( XXXX ) I have contacted XXXX XXXX as well and they have opened two case at their loss prevention ( # XXXX and # XXXX ) It is beyond me how Citi Bank did not flag this immediately. 
I live in XXXX Pa and have never been to XXXX XXXXXXXX. Citi Bank did an investigation and stated that these we're done with a chip, and being the card was never lost, I am responsible. Anyone with common sense can see this is fraud. I have also attached the statements for XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-06-17
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: T.S. Holdings (OH)

I have reported the company for identity theft and for debt validation with the credit bureaus on XX/XX/23. I have reported them to the FTC as well. I sent them a letter notifying them of the dispute and investigation and a cease and desist on the debt collection pending investigation and validation. They have not responded to anything or about anything. Since the dispute was commenced. They are in violation of 15 USC 1692g ( b ) and 18 USC 1028.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

This is a clear violation per 15 U.S.C. 1681 et seq. 

I've also included responses from XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (NY)

On XX/XX/XXXX I received an email stating a new credit card has been ordered. The numbers match but I noticed my current card didnt expire until XX/XX/XXXX. In addition, the card looks like it has a different description in my mobile app. The current card is XXXX but this says cash rewards. When I called to find out why, I was transferred 3 times and decided to close the account. I was then sent a code to my cell phone for verification but the rep said it would not let her put the code in nor could she answer why a new card was issued.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

I have previously submitted a complaint with this company about the negligence they have been demonstrating within my consumer report. After getting a response from the company, they have proceeded to provide me with false and misleading statements. Apparently in XX/XX/year>, this account was " charged off as bad debt and does not cause the issuance for a 1099-C ''. This statement obviously couldn't be any further from the truth. 

According to the Internal Revenue Service, Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. Taxpayers who receive the form must report the amount indicated as other income on their tax return. Canceled debt must be reported as taxable income on annual tax returns even if the issuer doesnt send a Form 1099-C because the canceled debt is less than {$600.00}.

There are three copies of the 1099-C. The lender must file Copy A with the IRS, send me Copy B, and retain Copy XXXX If I " borrowed '' money from a commercial lender and at least {$600.00} of that debt was canceled or forgiven, I should receive Form 1099-C from the lender. Without copy B, this company is hindering me from properly remitting my taxes.

Since this canceled debt is defined as taxable income in the eyes of the IRS, how is it being reported as a debt on my consumer report? This company is involved in ORGANIZED CRIME, RACKETEERING, MONEY LAUNDERING, COERCION, EXTORTION and TAX EVASION. I demand that this account be removed from my credit report for erroneously reporting false debts. This company is NOT in compliance with the Fair debt collection practices act, or the Fair credit reporting act. 

I have attached the erroneous statements I received by this company to prove that the debt was charged off, which is proved to be taxable income to the IRS. Next I with submit a 1099-Barter form for the IRS to audit this account.