davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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. (TX)

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : inquiry name : # XXXX XXXXnquiring Date : XX/XX/XXXX, Inquiry name : # XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, inquiry name : # XXXX inquiring Date : XX/XX/XXXX, Inquiry name : # XXXX, Inquiring Date : XX/XX/XXXX Inquiry Name : # XXXX XXXX XXXX, inquiring XXXX XXXX XX/XX/XXXX, Inquiry Name : # XXXX, inquiring Date : XX/XX/XXXX, inquiry Name : # XXXX XXXX, Inquiring Date XX/XX/XXXX, inquiry Date : # XXXX XXXX  XXXX, inquiring Date : XX/XX/XXXX, inquiry Name : # PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-30
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. (GA)

I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-30
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. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I received checks from my clients that where deposited into my account chase is denying me access to my account and funds saying they can't verify the sender when it's my client 's it's not a business I'm a XXXX  and I get paid by checks
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. (TX)

XXXX XXXX - Hard Inquiry Identified a wire transfer to being improper, this was done by a person who authorized the transfer into my account. Now this hard inquiry is being held until 2025. This wasnt my fault and I was being held accountable for a wire transfer made into my account by the approved partner. Realizing they were trying to negate their claims, XXXX XXXX has since been able to report any updates or issues from then on.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-15
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I have requested to XXXX XXXX  ( Now  XXXX  XXXX  ) and to credit bureaus XXXX and Transunion to reinsert my mortgage loan into my credit and my wife credit report. 

XXXX XXXX  ( XXXX XXXX ) has confirmed by written on XX/XX/XXXX and XX/XX/XXXX that they have reported the loan for reinsertion to all credit bureaus nonetheless the information still missing on XXXX  and Transunion. 
Dispute has been opened on Transunion and XXXX on XXXX, XXXX and XX/XX/XXXX. No response has been obtained from the bureaus mentioned above. This is negatively affecting my score. 
Both bureaus XXXX  and Transunion had been irresponsible and had failed to follow the laws that require them to report accurate information.
Consumer complaint received 2023-12-04
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)

These Companies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. According to the FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PR)

Multiple charges were made on two different credit cards i have. These charged were in the amount from 1k, 2k and 4k from unrecognized merchant in XXXX. Clearly fraud! 

My position is clear i didn't approve these charges as these are fraud. 

I have contacted Citi Bank in multiple occasion and they haven't been able to solve the issue nor provided evidence supporting their position.
Consumer complaint received 2024-08-06
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. (NJ)

I Dont recognize this hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, I received a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section of my credit report. To diminish speculation my information is as follows XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-06
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. (TX)

*In accordance with the fair credit reporting act XXXX account these 5 accounts have violated my rights to privacy Account Information XXXX ) XXXX  XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX ) XXXX XXXX {$760.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX {$430.00} XX/XX/XXXX 15 u.s.c 1681 section 602 A. states i have the rights 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
Consumer complaint received 2023-12-04
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. (GA)

Went to a car dealership with a pre-approved loan offer to buy a car for which I already had a hard inquiry. The sales rep went inside the general managers office and made two hard inquiries on my profile without my knowledge/consent. I confronted them right away as I received the email from credit reporting agencies regarding this. The manager said upto 3 inquiries count as one and said there was a miscommunication. Also, told me that I can contact credit reporting agencies and have them remove the inquiry. Its been 3 months since I have been trying to get this matter resolved and neither credit agencies or the dealership have done anything here to help. I have made so many phone calls. So many emails but still no luck. I have spent almost 20 hours of my time on this for something which is not even my fault. Please help me here. After being so persistent, dealership told me that their corporate has sent out a mail to credit reporting agencies about this. I confronted agencies about this and XXXX said they have not received any letter. Equifax said that letter is a invalid method. Dealership has to login on their software to remove or send an online email. They all have been running me around. I am exhausted from this bad practice. Please help. 

Two inquiries in question are made on XX/XX/2023 in the names of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am contacting you regarding fraudulent personal information falsely linked to my identity. Unauthorized accounts and transactions have been wrongly attributed to me, causing significant distress. I am a victim of identity theft and have already reported this incident. 

This situation has severely impacted my financial standing and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I stand ready to provide any necessary evidence to support my claim.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft all accounts listed below should be Blocked and Removed from all credit reporting Bureaus immediately. 
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 2024-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: STOCKTON MORTGAGE (CA)

When a client of Stockton Mortgage made an offer on my property they ensured a fast easy closing. This was not the case, XXXX XXXX, kept asking for more and more information from my HOA until it got to a point they were no longer able to provide because they themselves did not have a resolution or the information. When we pointed out that two other lenders just closed perfectly fine on this ( and provide title reports as proof ) with this ongoing minor litigation that is under XXXX they simply said that's great but not us. When I point out the FNMA allows lenders discretion on minor litigations when it doesn't involved safety concerns, or structural issues they didn't even address it. I feel Stockton Mortgage is a highly prejudice company and was not willing to do anything to resolve the matter. They have costs me thousands of dollars by delays and eventually forced their client to pull out the sale.
Consumer complaint received 2024-05-07
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. (MI)

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-06
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: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00}
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To date, I have come to realize that insurance companies are allowed to receive information from all three credit reporting agencies about our credit utilization, which plays a significant role in determining insurance prices. However, these same bureaus don't ask the insurance companies for input on premium payments, which may improve an individual 's score. Furthermore, in the majority of circumstances, the scores are requested without permission from the consumer. It is important to be aware that circumstances can negatively impact an individuals reason for failure to pay or slow pay ; i.e. XXXX lost of employment, etc. 

As a XXXX XXXX I am fully aware of the economic damage that individuals may encounter during a XXXX XXXX. My insurance carrier has increased my coverage by several XXXX dollars, even though I have never had a car accident or committed any moving violations. For the past five years, I have made timely payments. My credit score was assessed every year without my consent or knowledge. There is no one challenging this untouchable industry. 

This is a practice that requires the CFPB 's attention. The automobile insurance industry has honest, hard-working individuals at its mercy because no one is willing to police their corrosive behavior. 

The fact that XXXX is now in the automobile insurance business appears to be a conflict of interest. During tough economic times, households are left at the unscrupulous mercy of an under-regulated industry that has one-way access to information that can be economically debilitating. Only the CFPB can put a stop to the information decimated by the XXXX credit bureaus, especially since rates are quite lucrative for the insurance industry.
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC (GA)

XXXX collection companies, Glass Mountain Capital LLC, and XXXX XXXX XXXX XXXX were collecting on the same debt. On XX/XX/XXXX, I paid Glass Mountain Capital LLC as they claimed to have owed the account since XX/XX/XXXX. Before paying the debt, I asked Glass Mountain Capital LLC to send proof they owned the debt. I never received it ; however, I paid the debt in order to clear it from my credit file. I was never sent documentation or was made aware that Glass Mountain Capital LLC was working with or for XXXX XXXX XXXX XXXX. As a consumer, it is very difficult to read, understand, and decipher credit reports especially across three credit reporting agencies. The account now appears on two of my credit reports, XXXX and XXXX, as XXXX XXXX XXXX XXXX, and as a paid collection. 

I paid Glass Mountain Capital LLC for the XXXX XXXX XXXX  issued by XXXX XXXX XXXX XXXX  with the understanding the credit bureaus would be instructed to remove the collection / tradeline not update it as a paid collection account. Not only is Glass Mountain Capital LLC not reflected on my credit report, the debt is listed with an original creditor titled XXXX FS Card Services and again with the entries reflecting the collection agency as XXXX XXXX XXXX XXXX. The dates reported for XXXX and XXXX show XX/XX/XXXX and XX/XX/XXXX, respectively. The dates opened are also inconsistent, with XXXX reflecting XX/XX/XXXX and XXXX reflecting XX/XX/XXXX. Furthermore, the account was not updated for two years prior to XX/XX/XXXX ( re-aging ) when it was supposed to have been removed from my credit file altogether with the agreed upon payment to Glass Mountain Capital LLC. These all appear to be violations of the FCRA.
Consumer complaint received 2023-11-02
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit planas late for any purpose.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XXXX & XXXX of XXXX  I called XXXX several times to correct my name, address, and employment. The customer service reps gave me a hard time. I was told I couldnt change my own information. Very rude people working at XXXX. My acct is locked due to someone stealing my social security info during the pandemic. Every time I called I went through high risk and passed. It shouldnt been an issue. They kept transferring me around to different reps. By law I have rights to make sure my personal information listed on the 3 credit agencies are correct, so that my information wont end up in someone elses hands. Especially all the different addresses thats listed. Important information can go to the addresses thats listed. No one should be treated how I was treated. 

TransUnion & XXXX was very nice. Once I passed high risk they stated they would submit the changes. The only issue I have is they didnt correct the changes I asked.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact 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 Thank you. 
XXXX XXXX