davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MD)

I do not recognize these inquiries and accounts and I asked for them to be removed and the credit bureaus didn't do ask i asked. I'm attaching a copy of the ftc report that i filed
Consumer complaint received 2023-12-19
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. (IN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The dates from XX/XX/2019 thru XXXX of XXXXare dates when my social security number and personal data was compromised and stolen and used for fraudulent purchases and accounts Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Consumer complaint received 2023-12-19
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. (NC)

Dispute of Unauthorized Disclosure and Reporting of Personal Information To whom it may concern, I am writing to formally dispute information contained in my consumer report provided by your agency. Having recently obtained a copy of my consumer report, I discovered that non-public information about me has been disclosed to a non-affiliated third party without my written consent. This appears to be a violation of the provisions outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. According to my understanding of the Fair Credit Reporting Act ( FCRA ), I have the right to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure in question raises concerns about my privacy rights, as I was never provided with an option to opt-out, as required by law. Upon reviewing the report, I noticed that certain accounts are being reported without my written consent. I want to clarify that my dispute is not with the creditor but with your reporting agency for disclosing and reporting information without proper authorization. I refer to 15 USC 1681b - Permissible Purpose, which mandates that a consumer 's written consent is required for the reporting of personal information. As of now, I have not given such written consent, and I would appreciate it if you could provide proof of my consent to demonstrate compliance with this legal requirement. Failure to provide evidence of my consent could be construed as a violation of my rights under the FCRA. Moreover, I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter, I believe that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, as it could be perceived as a form of identity theft. Per 15 USC 1681c-2, I am formally requesting the removal of the following accounts from my consumer report within four business days from the date of this letter : ( XXXX ) ( Date Opened : XX/XX/XXXX ) ; ( XXXX ) ( Date Opened : XX/XX/XXXX ) ; ( XXXX ) ( Date Opened : XX/XX/XXXX ) I assert my right to a fair and accurate credit reporting process, and I believe that the swift removal of these accounts is essential to rectify the reported inaccuracies. Additionally, I request that you provide documentation regarding your method of verification for the disputed accounts and records showing proof of giving me the option to opt out of the information being reported in my consumer report. This will help ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. I expect your prompt attention to this matter and the resolution of my dispute within the specified time frame ( 4 Business days ). Failure to comply with the provisions of the FCRA may result in further legal action. Thank you for your immediate attention to this matter.
Consumer complaint received 2023-12-19
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-30
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. (PA)

Hello, My Name is XXXX XXXX XXXX XXXX, I am writing to have the following information in my file removed. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-12-19
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-04-30
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/year>2024 Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report. 

15 U.S. Code 1681c2 ( 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. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 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 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-30
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. (TX)

I'm experiencing XXXX XXXX, and XXXX concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have looked at my credit report to find this company who I have never done business with is reporting on my credit. 

Violations listed below A collection can not be listed as an open account A collection is by default past due Date of last activity is not the same they have not provided me with any signed contract showing my signature, a complete payment history, a purchase agreement witht the terms and conditions of that purchase agreement.
Consumer complaint received 2023-04-28
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NC)

The company has been provided with an official student loan deferment document that was signed by a school administrator. The company refuses to cooperate with federal laws that govern credit reporting.

I would like to reference these credit laws/act that protect consumers against negative reporting by bureaus and creditors. 

The Fair Credit Reporting Act ( FCRA ) - The FCRA requires that credit reporting agencies maintain accurate and complete credit reports for consumers. If you believe that the late payments on your federal student loans account are being reported inaccurately, you can dispute the information with the credit reporting agencies under the FCRA. 

The Higher Education Act - The Higher Education Act includes provisions related to the reporting of student loans to credit reporting agencies. Specifically, the Act requires that credit reporting agencies remove any negative credit reporting related to a defaulted federal student loan if the borrower enters into a rehabilitation agreement and makes nine on-time payments in a ten-month period. 

The Department of Education 's Credit Reporting Guidance - The Department of Education provides guidance to loan servicers regarding the reporting of federal student loans to credit reporting agencies. This guidance includes information about how late payments should be reported and may provide grounds for disputing any inaccurate information on your credit report.
Consumer complaint received 2023-12-04
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. (FL)

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-01
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. (CA)

Incorrect payment history reported multiple accounts. 
Accounts not belonging to me repeatedly reported. 
XXXX XXXX reporting Incorrect information. 
XXXX reporting Incorrect info Data breach with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX theft XXXX XXXX XXXX Identity theft XXXX XXXX Identity theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX Identity theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX XXXX XXXX XXXX theft XXXX XXXX XXXX XXXX XXXX Identity theft XXXX XXXXXXXX XXXX XXXX XXXX not authorized by me Crimes Committed under my Identity XXXX reports XXXX XXXXXXXX XXXX  identity theft account Old Negative Accounts over 10 years reporting. 
XXXX XXXX not accurately reported XXXX XXXX paid in full and receipt submitted as proof but still reporting negative.
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. (LA)

I just received copy of my credit report and found those fraud inquiries below that were used without my knowledge. 

XXXX XXXX XXXX, INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX XXXX, INQUIRY DATE : XX/XX/XXXX XXXX  XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX DELETE ALL THOSE 9 FRAUD INQUIRIES FROM MY CREDIT REPORT BY LAW.
Consumer complaint received 2024-05-01
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. (SC)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (AZ)

Yesterday this company tried to direct debit my account for absolutely no reason. I reached out to their customer service as to figure out why. In doing my own research I found out I had submitted an application to them in XXXX. But as far as I could tell my application was denied. I've never had any other dealings with this company. Yet again they tried to debit my account for minuscule amount yesterday. It's not about the amount it's the fact that you have access to my information. I reach out to your company and was talked to in a rude and condescending manner. I don't give a XXXX if it was a penny or a nickel my money is my money. Oportun you have NO permission to reach your hand into my account and try to take from me or my family. Your company is absolute trash and stands behind nothing. But that's fine you don't have to be reputable company. That's why they're entities to report questionable businesses too. That will investigate and go ahead and shut scam artists down. I reached out to my bank to have them blocked. As I got some smart-ass response from somebody at their company via email. My next step is to contact the authorities and have a lawyer sue the XXXX out of your company. If you keep trying to take for me something that I don't owe you. They tried to debit {$2.00} XX/XX/XXXX for no reason.
Consumer complaint received 2024-07-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ATLANTIC BAY MORTGAGE GROUP LLC (TX)

We closed on the sale of our house on XX/XX/year>. Their was an over payment on the escrow account of XXXX. The mortage company Atlantic Bay Mortgage said they mailed us a check for the overpayment. We never received a check only other correspondence from Atlantic Bay Mortgage. We called and in XXXX they said they would mail another check We waited the 30 days again and no check. So XXXX we called again they again said they would mail another check. We waited and again no check. This time when we called they said they would overnight us a check. It has been another week and still no check. We are just getting the run around. As of tomorrow it will be 90 days and still they haven't returned our escrow money.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I applied for a rental property ( XXXX ) through XXXX. On XX/XX/XXXX, I received a letter from XXXX & EXPERIAN RENT BUREAU stating, I was denied due to SEVERE charge-offs and MINOR late payments. I requested a copy of my report from XXXX and found that I only have XXXX charge-offs and didn't know how this was so SEVERE, a consumer can't rent a property. It seems like these company are OVER exaggerating the items on consumers reports leading to denials and damage. After Further examination of the report, I found they have more inaccurate information on the report leading to the property management questioning my credibility and credit worthiness for renting a property. For my Personal information, they have the address of an apartment I don't live at as my current address. For the lease term of that apartment complex, they have me living there, Begin : XX/XX/XXXX, End : XX/XX/XXXX ( I did not ). For the payment history it shows I ONLY paid XXXX months of rent, but my lease ended XXXX XXXX? This stuff is not alone inaccurate but doesn't even make sense ( UNETHICAL ). I do not have any collection on my credit reports for rental properties but on my tenant report a collection is on there with a XXXX-balance showing I OWE NOTHNG. This is further damaging to consumers reports. 

XXXX XXXX XXXX XXXX also stated " Our office has requested that this item be removed from your credit by sending an electronic Universal Data Form to the credit bureaus. ''
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I can not get my credit report and my credit scores or verify my info with the Equifax credit bureau I have called them many times and sent my information and requested to correct my report and still no respond
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

I am writing to bring to your attention an error in the information contained in my File Disclosure. Upon reviewing the report, I noticed that it incorrectly states that I am in XXXX due to an account with Wells Fargo. However, I have confirmed with Wells Fargo that my account has been closed since 2018 and I do not owe anything on any checking accounts or credit card accounts with them. 

I spoke with a representative from Wells Fargo who advised me that I should not be in XXXX by them as there is no outstanding balance or any issues related to my account with them. Therefore, I kindly request that this inaccurate information be rectified as soon as possible. 

I believe that maintaining accurate and up-to-date information in my file is crucial for my financial well-being, and I would greatly appreciate your prompt attention to this matter. 

Thank you for your cooperation and prompt action in resolving this issue.