davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2023-10-26
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)

I have been contacting each credit Agency to inform them that it is a violation of the Privacy Act Of 1974. They are also in violation of 15 USC 1681 by reporting information without insuring that the information is completely accurate.
Consumer complaint received 2023-08-26
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. (VA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Consumer complaint received 2023-08-26
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: EQUIFAX, INC. (VA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Consumer complaint received 2022-06-28
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: Consolidated Information Services Solutions, LLC (AL)

Every time I try to delete hard inquiries on my XXXX report they come back the next few hours and say that the inquiries will remain on my credit report, they are not investigating the inquiries. The inquiries that I did not approve. I never approved of these inquiries. On my credit reports, there is a block/freeze on all three reports. These companies manage to get into my credit report without my prior approval. I was never contacted by either of these companies to check my credit. This is identity theft. XXXX and XXXX notified me of the dark web that shows all of my information out there. Even some of my children 's information is out there alone with mine. Most information out there is false and I did not give these companies my approval to check my credit. I am a victim of identity theft. My name is out there on the dark web and my social security number but some of the addresses are different and some other information out there is incorrect. Most importantly my name and birthday are out there and that's the main source. I did not give these companies my permission to check my credit. My credit has a block/freeze on them and no one contacted me to open up my credit files, they just went in and check my credit without prior approval from me. this is identity theft. I never gave them permission to check my credit.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-26
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. (LA)

My disappointment is immeasurable and my day is ruined! Not only did the Credit Bureaus did not comply with the requests of deleting the disputed fraudulent accounts and yet they have also failed to provide documents validating their claims. Let me remind the Credit Reporting Agencies that under the Fair Credit reporting Act section 605b, the Credit Bureaus are required by law to remove any and all fraudulent accounts and information from my Credit file, so please do so. I am submitting this CFPB Complaint in accordance with the Fair Credit reporting Act and demand the immediate deletion of the following fraudulent accounts completely from my Credit File : XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00}. As I have previously demanded, the Credit Bureaus should provide me with documents supporting their claims, and yet they have failed to do so. Their inability to follow such simple conditions shows how negligent the Credit Bureaus are. The disputed accounts should have been removed completely from my Credit File.
Consumer complaint received 2023-08-26
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. (FL)

I sent a letter out to XXXX, Transunion, and XXXX. Trying to dispute names, addresses, and current job status on my credit report around XX/XX/23. I even have some hard credit checks that I didnt approve that was done without my consent.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Informative Research (AL)

XXXX XXXX checked my credit with XXXX credit without my permission. I never ask them to check my credit. They used my information for someone else. I never tried to get credit from this company, my credit was checked on XX/XX/2021. They did not have my permission to check my credit. I never gave them my permission. If they would have checked they would have seen that there was a block/freeze on my credit report. They would have had to call me to get my consent to check my credit. There is a statement on my credit report that states to call me before they check my credit. I never got any phone call nor did they contact me by e-mail or mail. 
This is identity theft. I never ask them for any credit. They disobeyed the law by checking my credit without my consent. This is not the law when there is a statement on my credit report to call me before they check my credit. 
No phone call ever came. Identity theft.
Consumer complaint received 2022-06-28
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: Informative Research (AL)

Every time I try to delete hard inquiries on my XXXX report they come back the next few hours and say that the inquiries will remain on my credit report, they are not investigating the inquiries. The inquiries that I did not approve. I never approved of these inquiries. On my credit reports, there is a block/freeze on all three reports. These companies manage to get into my credit report without my prior approval. I was never contacted by either of these companies to check my credit. This is identity theft. XXXX and XXXX notified me of the dark web that shows all of my information out there. Even some of my children 's information is out there alone with mine. Most information out there is false and I did not give these companies my approval to check my credit. I am a victim of identity theft. My name is out there on the dark web and my social security number but some of the addresses are different and some other information out there is incorrect. Most importantly my name and birthday are out there and that's the main source. I did not give these companies my permission to check my credit. My credit has a block/freeze on them and no one contacted me to open up my credit files, they just went in and check my credit without prior approval from me. this is identity theft. I never gave them permission to check my credit.
Consumer complaint received 2022-06-28
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: CITIBANK, N.A. (AL)

THE HOME DEPOT CLAIMS THAT I APPLIED FOR CREDIT FROM THEM ONLINE. I HAVE NEVER APPLIED FOR ANY CREDIT FROM THEM AT ANY GIVEN TIME. MY REPORTS HAVE A BLOCK/FREEZE ON ALL OF THEM AND I DID NOT GIVE THEM MY PERMISSION TO CHECK MY CREDIT. THE FREEZE/BLOCK HAS BEEN ON MY REPORTS FOR ABOUT 8 YEARS. I AM A VICTIM OF IDENTITY THEFT. IT STATES THAT ON MY CREDIT REPORT. IN ORDER TO CHECK MY CREDIT YOU WOULD HAVE HAD TO CALL ME FIRST. THERE IS A STATEMENT ON MY CREDIT FILE YOU MUST CALL ME BEFORE YOU CHECK MY CREDIT. I DID NOT APPLY FOR ANY CREDIT FROM YOU AT ANY GIVEN TIME. IF YOU HAD READ MY REPORTS IT STATES THAT YOU ARE TO CALL ME BEFORE YOU CHECK MY CREDIT BUT THE COMPANY DID NOT DO THIS. I NEVER RECEIVED ANY PHONE CALLS OR E-MAILS OR MAIL. I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION IS ALL OVER THE DARK WEB SO SAYS XXXX AND XXXX, THEY WERE THE ONES WHO NOTIFIED ME OF THIS FRAUD. I DID NOT APPLY FOR ANY CREDIT FROM YOU.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA (AL)

FNB OMAHA, checked my credit with XXXX credit without my permission. I never ask them to check my credit. They used my information for someone else. I never tried to get credit from this company, my credit was checked on XX/XX/2021. They did not have my permission to check my credit. I never gave them my permission. If they would have checked they would have seen that there was a block/freeze on my credit report. They would have had to call me to get my consent to check my credit. There is a statement on my credit report that states to call me before they check my credit. I never got any phone call nor did they contact me by e-mail or mail. 
This is identity theft. I never ask them for any credit. They disobeyed the law by checking my credit without my consent. This is not the law when there is a statement on my credit report to call me before they check my credit. 
No phone call ever came. Identity theft.
Consumer complaint received 2023-11-06
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: EQUIFAX, INC. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX XXXX Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-09-17
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the XXXX payments will result in legal action being taking. 

Remove late payment on this Account XXXX. XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Opened XX/XX/XXXX XXXX. ( XXXX showing XXXX XX/XX/XXXX )
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (AL)

THIS COMPANY CHECKED MY CREDIT REPORT WITHOUT MY PERMISSION. THERE IS A STATEMENT ON MY CREDIT REPORTS THAT STATES TO CALL ME AND MY NUMBER IS LISTED FOR THEIR USE TO CALL ME, I DID NOT APPLY FOR ANY CREDIT FROM THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT. ALL THREE CREDIT BUREAUS KNOW THIS. THIS IS WHY THERE IS A FREEZE ON MY CREDIT REPORT. HOW THEY GOT INTO MY REPORTS I DON'T KNOW, MY CREDIT IS BEING CHECKED FOR SOMEONE ELSE. THIS IS IDENTITY THEFT.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2022, A company called XXXX XXXX checked my credit without my permission. I didn't ask them to check my credit. As a matter of fact, I don't know who they are. Or what they represent. I have never heard of this company before. They checked my XXXX report. I have a freeze/block on all 3 credit reports and they had no right to break into XXXX and check my credit. The block has been on my report for almost 10 years also there is a statement on my credit report that states call me first before you check my credit, I would have told them I didn't apply for anything from them. I am a victim of identity theft and I don't appreciate anyone checking my credit. Please delete your company from my credit report.
Consumer complaint received 2020-08-28
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. (VI)

There are numerous hard inquiries reporting on my credit report that may be that of someone else. I have written to all three credit agencies asking them to validate them but they have not done anything and these hard inquiries continue to destroy my credit. The only ones that I know of are a auto loan inquire from XXXX XXXX vi in XX/XX/XXXX a hard inquire from XXXX XXXX XXXX XXXX, and one from XXXX XXXX XXXX XXXX and the rest are questionable. These are being reported by XXXX, XXXX   and Transunion.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid 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: DISCOVER BANK (DE)

Im writing to Dispute a Billing Error in the full statement balance of {$8100.00} Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 



15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 



18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


Sincerely, XXXX
Consumer complaint received 2020-08-28
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: Experian Information Solutions Inc. (VI)

The 3 credit bureaus are reporting negative information on my credit report and have refused to provide proof of validation. I have written to the respective agencies and companies that have put these items on my credit report. I have also spend hundreds of dollars to credit repair agencies and got nothing done. These accounts are from XXXX and XXXX, so I have suffered greatly over the years from lack of transparency from these companies that had refused to obey the law and guidelines of the fair credit reporting act. I am hoping that you all can intervene and please get these credit reporting bureaus to delete these invalidated items from my credit report so that my credit health can be justifiably restored unto to me. The incorrect stuff that is being reported on my credit report are as follows : XXXX XXXX, XXXX XXXX, the XXXX, and XXXX. Please asked these companies for validation which they have refused to provided me as directed by law. Thank you
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (AL)

I found out thru XXXX XXXX XXXX that Companies had checked my credit without my permission. I am a victim of identity theft. It is reported on all 3 credit bureaus. They must call me before they check my credit to get my permission before they check my credit. I have a block on all three credit reports but someone is still checking my credit to obtain credit on me. XXXX and XXXX also have the same that someone is trying to get credit on me which is bringing down my credit score and interfering with my credit. There is a written statement on my credit reports to contact me before they check my credit, I would have told them I did not apply for any credit from them at any given time. Credit that I have, I gave permission for these companies to check my credit.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (AL)

I found out thru XXXX Credit Reporting that Companies had checked my credit without my permission. I am a victim of identity theft. It is reported on all 3 credit bureaus. They must call me before they check my credit to get my permission before they check my credit. I have a block on all three credit reports but someone is still checking my credit to obtain credit on me. XXXX and XXXX also have the same that someone is trying to get credit on me which is bringing down my credit score and interfering with my credit. There is a written statement on my credit reports to contact me before they check my credit, I would have told them I did not apply for any credit from them at any given time. Credit that I have, I gave permission for these companies to check my credit.